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Qualifying Income›Nontaxable Income & Gross-Up
INCOME

Nontaxable Income & Gross-Up

Separate taxable and tax-exempt income and calculate the gross-up allowed by the selected agency.

Fannie MaeLast agency guidance update: Not yet verifiedLast verified: Nov 9, 2026Effective date: Not yet verified
Freddie MacLast agency guidance update: Not yet verifiedLast verified: Nov 9, 2026Effective date: Not yet verified
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
Oct 7, 2026
Last verified
Nov 9, 2026
Effective date
Not yet verified

Generally 25% of the exempt portion, or higher supported comparable taxes.

Source publication
Feb 4, 2026
Last verified
Nov 9, 2026
Effective date
Not yet verified

25% or a documented current withholding rate; 15% of eligible Social Security is an exempt-portion documentation exception.

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

The continuing savings may be added up to the greater of 15% or the appropriate prior-year tax rate; 15% when a return was not required.

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

VA applies 125% to the verified tax-free portion for DTI only. Residual income uses actual income.

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$25,000
Updates as you edit.
02 / WORKSHEET

Results

mortgagerisk.link

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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.