CalculatorVA Residual Income Calculator
See if your monthly residual income meets VA lender requirements for your region and family size.
Car, student loans, credit cards, etc.
Determines which VA residual income table applies ($80,000 threshold).
Est. federal income tax (25%)
$1,875.00
Your monthly residual income
$2,975.00
VA required residual income
$738
Loans $80,000 and above · Family size 2
VA residual income test
PASS
Above requirement by $2,237.00
What Is VA Residual Income?
VA residual income is the money left over each month after paying all major expenses. The VA requires borrowers to have a minimum residual income based on family size and region — this is separate from the DTI ratio and is one reason VA loans have lower default rates than conventional loans.
VA Residual Income Requirements Table
Loans $80,000 and above
| Region | Family 1 | Family 2 | Family 3 | Family 4 | Family 5 |
|---|---|---|---|---|---|
| Northeast | $450 | $755 | $909 | $1,025 | $1,062 |
| Midwest | $441 | $738 | $889 | $1,003 | $1,039 |
| South | $441 | $738 | $889 | $1,003 | $1,039 |
| West | $491 | $823 | $990 | $1,117 | $1,158 |
Loans under $80,000
| Region | Family 1 | Family 2 | Family 3 | Family 4 | Family 5 |
|---|---|---|---|---|---|
| Northeast | $390 | $654 | $788 | $888 | $921 |
| Midwest | $382 | $641 | $772 | $868 | $902 |
| South | $382 | $641 | $772 | $868 | $902 |
| West | $425 | $713 | $859 | $967 | $1,004 |
Each additional dependent beyond 5: +$80/month
Northeast, Midwest, South, West: Which Region Am I In?
- Northeast: Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont
- Midwest: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, Wisconsin
- South: Alabama, Arkansas, Delaware, District of Columbia, Florida, Georgia, Kentucky, Louisiana, Maryland, Mississippi, North Carolina, Oklahoma, Puerto Rico, South Carolina, Tennessee, Texas, Virginia, West Virginia
- West: Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, Wyoming
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