VETERAN OWNED & OPERATED
📞 1-800-230-7201
Step 1 of 3
The Guideline
STEP 01 · THE GUIDELINE
What's the VA's residual income minimum for your file?
VA publishes a regional minimum based on loan size and household. We'll pull the exact number, then check your actual residual against it.
VA RESIDUAL INCOME GUIDELINE
Pick a state to pull the official minimum for your loan size and household.
$—
STEP 02 · YOUR ACTUAL FILE
Now let's see what your file actually shows.
Enter monthly figures. We'll subtract taxes, debts, and housing from your gross to find your real residual income.
All sources, before taxes.
Federal, state, FICA. Roughly 15-20% of gross.
Cars, student loans, card minimums, child support.
Principal + Interest + Taxes + Insurance.
Monthly HOA, condo, or community dues.
Leave blank to use VA's $0.14/sqft default.
Only used if utilities is blank.
YOUR RESULT
Here's the real read on your residual income.
RESIDUAL INCOME RESULT
Calculating...
Your actual residual
$0
After taxes, debts, housing
VA guideline
$0
Required minimum for your file
Surplus over guideline
$0
20% lender cushion
$0
Strongest compensating factor when DTI is tight
Highest-impact next move
Want a real review of your file?
A licensed VA loan officer reviews your numbers and tells you exactly what's possible. No obligation, no pressure.
ALMOST THERE
Where can we reach you?
A specialist personally reviews your numbers and reaches out within one business day.
✓
You're all set.
A VA loan specialist will personally review your residual income picture and reach out within one business day.
WHAT HAPPENS NEXT
← Back to VA Loan Network
A real specialist (not a call center) will email or call with an honest read of your file: whether residual income clears the guideline, what offsets a tight cushion, and which lenders work files like yours. No pressure, no spam.