The VA requires more than just a healthy DTI — Texas veterans must also 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 official VA chart by region and family size. Confirm VA loan eligibility in 60 seconds, then tie the result to a home price with our VA affordability calculator.
Region: South
Going off your inputs - Texas, a household of 3, and a $320,000 loan - the VA guideline (>$80K tier) suggests you should have at least $889 left over each month after expenses
Above Guideline
+55%
Note:We are estimating federal and state taxes to be around 25% of your gross income. Your actual residual income could look different depending on your tax status, deductions and filing status. This tool is meant to give you a solid estimate, but you'll always want to confirm the exact numbers with a VA-approved.
Get your pre-approval in just a few minutes with zero down. The VA team at STX Lending has helped more than 10,000 veterans step into home ownership. Active-duty? Have your VA statement of service letter ready.
Hold onto your savings. VA loans dont require down payment
Save $200+/month vs. conventional borrowers. That's your benefit — use it.
You will work with a loan officer who know VA loans inside and out - from getting your COE all the way to closing day
The proccess is built to move fast which means you will be getting your keys while others are still waiting
We understand that every borrower is not the same so we will walk you through your options and help you choose the loan that is the best fit
Best for good credit
First-time buyers
Veterans & military
Higher-priced homes
If you still have questions, our VA team handles these every day, reach out by phone or chat anytime