How VA residual income is calculated by region and family size, and why it matters. The 2 Mortgage Guys at Luminate Bank, lending nationwide.
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Residual Income
Residual income is the cash left after your new housing payment, debts, and taxes. The VA sets minimums by region and family size — and it can make or break approval even when DTI looks fine.
Think “money left to live on” — not just a debt ratio.
If you are close to the chart minimum, these moves often close the gap before underwriting.
Accurate household size and debts make the residual worksheet reliable.
Both appear on a VA underwrite — they answer different questions.
Related guides to help you compare options and move toward pre-approval.
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Ryan & Steve will apply the correct VA residual income chart for your region and family size — then get you pre-approved with a payment that clears underwriting.