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VA Residual Income Calculator (UT, West Region)

Program figures verified July 2026. Details change; confirm your scenario with us.

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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What is a VA residual income calculator?

A VA residual income calculator estimates the cash a Veteran has left each month after PITI, debts, utilities, and living costs, then compares it to VA's minimum. For a West-region (Utah's region) family of four, VA Pamphlet 26-7, Chapter 4 requires $1,117 left over on loans of $80,000 or more. Pass the residual income test and a Utah Veteran can qualify even when debt-to-income runs past the 41% guideline.

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. UT falls in the West region. Loans under $80K use lower thresholds.
Boost the income side too: tax-free pay makes residual income easier to clear. Lenders can gross up VA disability income for qualifying, and active-duty BAH counts in full, the 2026 Salt Lake City BAH rates show how much that adds in Utah.

Talk to an UT 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.