Desired mortgage amount
Mortgage length (in years)
Interest %
Annual property tax
Total monthly payments not including
mortgage (car, loans, credit cards, etc).


Monthly Principal + Interest:
Total Monthly Obligations:
Borrower Income:

Listed below are the basic guidelines for VA mortgages.

Your gross (before taxes) monthly salary should be greater than 45% of the sum of the monthly mortgage, monthly tax and other monthly debt payments.

We can get exceptions to exceed this ratio, just ask when you apply.

As a general rule, your total monthly obligations (mortgage payment, real estate taxes, and all other monthly obligations) should not exceed 45% of your gross (before taxes) monthly income.