ESTIMATE YOUR VA RESIDUAL INCOME
VA Residual
Income Calculator
Estimate the monthly income remaining after qualifying deductions, debts, and proposed housing expenses—then compare it with the VA residual-income guideline for Texas.
VA LOAN PLANNING
Build Your Scenario
REGION LOCKED FOR THIS CALCULATOR
Texas · VA South Region
The required residual-income benchmark is selected automatically from the VA South-region table based on loan amount and family size.
HOUSEHOLD & LOAN
Set the VA Guideline
MONTHLY INCOME
Enter Qualifying Income
Use monthly amounts. This planner does not determine whether a specific income source is eligible or stable enough for VA underwriting.
PAYROLL & TAX DEDUCTIONS
Estimate Monthly Deductions
PROPOSED HOUSING EXPENSE
Build the Monthly Shelter Cost
DEBTS & JOB-RELATED EXPENSES
Enter Monthly Obligations
DTI + RESIDUAL INCOME
Integrated 41% / 120% Planning Test
The 41% DTI benchmark is not a universal maximum VA DTI. Lenders evaluate the complete credit profile, residual income, automated underwriting findings, and compensating factors. The 120% comparison is presented here as a conservative high-DTI planning benchmark and may differ by lender.
ESTIMATED VA RESIDUAL INCOME
$3,042 per month remaining for family supportGOLDEN OAK INSIGHT
This planning scenario is above the VA residual-income guideline.
The estimated residual income provides a monthly cushion above the South-region benchmark. Final underwriting can differ based on qualifying income, taxes, debts, household size, property expenses, and lender requirements.
INTEGRATED DTI REVIEW
Estimated VA Debt-to-Income Ratio
CALCULATION BREAKDOWN
Where the Monthly Income Goes
TEXAS · SOUTH REGION
VA Residual Income Reference
Texas is in the VA South region. The calculator selects the base guideline from this table, then automatically applies the integrated high-DTI planning comparison when estimated DTI exceeds 41%.
| Family Size | $79,999 & Below | $80,000 & Above |
|---|---|---|
| 1 | $382 | $441 |
| 2 | $641 | $738 |
| 3 | $772 | $889 |
| 4 | $868 | $1,003 |
| 5 | $902 | $1,039 |
| 6 | $977 | $1,119 |
| 7 | $1,052 | $1,199 |
For family sizes over five, the VA table instructs lenders to add $75 per additional member for loans of $79,999 and below, or $80 per additional member for loans of $80,000 and above, up to a family of seven.
CONTINUE PLANNING
Residual Income Is One Part of the VA Loan Analysis
Review the complete VA financing picture—including payment, funding fee, debt-to-income ratio, cash needed, and lender requirements.
WANT A FULL VA LOAN REVIEW?
Turn the Estimate Into a Mortgage Strategy.
A Golden Oak mortgage advisor can review the income, obligations, proposed housing payment, residual-income calculation, and available VA lender options.
This calculator is for general educational and planning purposes only. It is not a VA underwriting decision, approval, prequalification, preapproval, commitment to lend, or substitute for VA Form 26-6393 or lender underwriting. The 41% DTI benchmark is not a universal maximum VA DTI. When estimated DTI exceeds 41%, this planner automatically applies a conservative 120% residual-income target for planning; lender treatment, automated underwriting findings, compensating factors, and overlays may differ. Results depend entirely on the information entered. Qualifying income, tax estimates, family size, debts, job-related expenses, property expenses, residual-income treatment, and lender requirements may differ or change. Always verify the current requirements and your specific scenario with a VA-approved lender.