California VA Loan Specialist · Cornerstone First Mortgage · NMLS #173855 Call Mike Certo · (480) 296-6513
Bases: Camp Pendleton · Naval San Diego · Travis AFB · Edwards AFB · $0 down VA · CA Veteran tax exemption · Call Mike (480) 296-6513

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VA Residual Income Calculator (CA, West Region)

VA cares as much about residual income as DTI. If you fail residual, even a 36% DTI can be denied. Run yours.

By Mike Certo, NMLS #260555:

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Your inputs

Household
Income (net, after tax)
After federal + state + FICA tax. VA residual is on NET, not gross.
Monthly costs
VA uses 0.14% of loan amount as utility/maintenance estimate.

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 (West region, family size)$0
VA West Region 2026 residual income requirements (loans ≥ $80K): Family 1: $491 · Family 2: $823 · Family 3: $990 · Family 4: $1,117 · Family 5: $1,158 · +$80 per add'l member. CA falls in the West region. Loans under $80K use lower thresholds.

Active-duty buyers: because BAH is tax-free, it counts in full toward the income above. See how BAH counts as VA qualifying income and the 2026 rates by metro.

Talk to an CA 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.