Your inputs
Your residual income
$0
monthly residual · required: $0
| Net monthly income | $0 |
|---|---|
| Minus PITI | $0 |
| Minus utility estimate (0.14% loan) | $0 |
| Minus other debts | $0 |
| Minus child care + other | $0 |
| Residual income | $0 |
| Required (South region, family size) | $0 |
VA South Region 2026 residual income requirements (loans ≥ $80K):
Family 1: $441 · Family 2: $738 · Family 3: $889 · Family 4: $1,003 · Family 5: $1,039 · +$80 per add'l member.
NC falls in the South region. Loans under $80K use lower thresholds.
Housing costs swing your residual math by metro, see the metro-by-metro cost picture for NC Veterans, with 2026 BAH by base.
Talk to an NC VA loan specialist about your numbers
Have a question about what this calculator showed you? Mike Certo (Cornerstone First Mortgage, Nationwide Mortgage Licensing System (NMLS) #260555) reviews every result personally. No commitment, no pressure.
Estimates only. Not a commitment to lend. Actual VA loan terms depend on full underwriting including credit, income, assets, property appraisal, residual income, and VA entitlement. Mike Certo · Cornerstone First Mortgage NMLS #173855 · Mike Certo NMLS #260555. Equal Housing Lender.