VA Residual Income Charts by Geographic Regions
![](https://www.jotform.com/uploads/kevin.a.mitchell2/form_files/3E81AE31-E914-4DBC-902F-C2634DD93A68_4_5005_c.63d2708c52ab37.60685471.jpeg)
VA Residual Income Needed Chart for Loan Amounts of $79,999 and Below
![](https://www.jotform.com/uploads/kevin.a.mitchell2/form_files/9802C788-0BF8-481C-AB19-2B7560E51BD4_4_5005_c.63d270c8873a42.16361350.jpeg)
For families over 5, add $75 for each additional family member up to seven. If your Debt-to-income ratio is above 41% the VA requires that your residual income is 20% higher than the listed chart. The residual income requirement may be reduced by 5% if the applicant or spouse is an active-duty or retired service person and there is clear indication that they will continue to receive the benefits resulting from the use of military-based facilities located near the property.
VA Residual Income Needed Chart for Loan Amounts of $80,000 and Above
![](https://www.jotform.com/uploads/kevin.a.mitchell2/form_files/6992271F-E774-4488-A829-C5218F61D11F_4_5005_c.63d271079855b6.74858052.jpeg)
For families over 5, add $80 for each additional family member up to seven. If your Debt-to-income ratio is above 41% the VA requires that your residual income is 20% higher than the listed chart. The residual income requirement may be reduced by 5% if the applicant or spouse is an active-duty or retired service person and there is clear indication that they will continue to receive the benefits resulting from the use of military-based facilities located near the property.
Disclaimer
Meeting the above criteria does not constitute a loan approval or commitment to lend. Individual loan approval and eligibility will vary. Please consult with a licensed Loan Officer for further guidance.