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Qualifying Income›FHA Residual Income
INCOME

FHA Residual Income

Calculate residual income for FHA manual underwriting and compare it with the VA table FHA uses for this compensating factor.

DTI & LTV
HUD / FHALast agency guidance update: Not yet verifiedLast verified: Nov 9, 2026Effective date: Not yet verified
VALast agency guidance update: Not yet verifiedLast verified: Nov 9, 2026Effective date: Not yet verified
Agency guidanceSee verification scopeView guideline history
Source publication
Aug 12, 2026
Last verified
Nov 9, 2026
Effective date
Not yet verified

Verified the FHA monthly deductions, household count exception and use of the VA minimum. The August handbook date is the edition date, not a verified material change to this method.

Source publication
Not yet verified
Last verified
Nov 9, 2026
Effective date
Not yet verified

Verified the $0.14 per square foot maintenance and utility estimate, both mortgage bands, regional tables, and household adjustments through seven.

01 / SCENARIO

Inputs

Start with the example or enter your own figures. You can type dollar amounts above the slider ranges.

Check any that apply

Start with the standard inputs. Select an option to see the extra fields.

$0$10,000,000
Count everyone in the household. Omit a fully supported person only when the income is verified, excluded from effective income and documented as HUD requires. See the VA source for region mapping.
$0$50,000
Enter the FHA total fixed payment (housing plus qualifying recurring obligations). Do not repeat the same cost below.
Updates as you edit.
02 / WORKSHEET

Results

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MortgageRisk is independent of the agencies cited. Results are for professional review and do not constitute an underwriting decision or loan approval.