The VA looks at more than your DTI. Texas veterans also have to pass the residual income test. This VA residual income calculator measures what you have left each month after taxes, housing, debts and utilities, and compares it to the VA chart by region and family size. See where you stand on a VA loan, then tie the result to a home price with our VA affordability calculator.
Region: South
Example: $320,000 over 30 years at an example rate of 7.25%. Replace it with the payment from your quote.
Example: about 2.0% a year, a typical Texas rate.
Going off your inputs (Texas, a household of 3, and a $320,000 loan), the VA guideline ($80,000 and above tier) suggests you should have at least $889 left over each month after expenses.
When your DTI is above 41%, the VA asks for residual income at least 20% over the guideline.
Note: We estimate federal and state taxes at about 25% of your gross income. Your actual residual income could look different depending on your tax withholding, deductions and filing status. This tool gives you an estimate; confirm the exact numbers with a VA-approved lender.
Results are estimates for illustration. Prefilled rates are examples based on national averages as of September 28, 2026, not offers. Your rate and APR depend on your credit, loan and property, and come from a Loan Estimate. Get started for a quote.
Talk with the VA team at STX Lending about your numbers. Active-duty? Have your VA statement of service letter ready.
VA loans don't require a down payment for eligible borrowers.
VA loans don't carry monthly mortgage insurance. That is part of your benefit, so use it.
You will work with a loan officer who knows VA loans inside and out, from getting your COE all the way to closing day.
Every borrower is different, so we will walk you through your options and help you choose the loan that fits best.
Best for good credit
First-time buyers
Veterans & military
Higher-priced homes
Still have questions? Our VA team handles these every day. Call us or send a message.