Your inputs
Your residual income
| 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 |
What is the VA residual income chart for 2026?
The VA residual income chart sets the minimum cash a household must have left each month after PITI, other debts, estimated taxes, and a maintenance estimate. Maryland sits in VA's South region. For 2026, on loan amounts of $80,000 or more, the South-region minimums are:
| Family size | 2026 South-region minimum (loans ≥ $80,000) |
|---|---|
| 1 | $441 |
| 2 | $738 |
| 3 | $889 |
| 4 | $1,003 |
| 5 | $1,039 |
| Each additional member | +$80 |
Loans under $80,000 use lower thresholds. The VA residual income calculator above applies these exact South-region figures to your household size and monthly costs.
What is VA residual income and why does it matter?
VA residual income is the discretionary cash left each month after your mortgage payment (PITI), other monthly debts, estimated federal and state taxes, and a maintenance/utility estimate. VA treats it as a second qualifying test alongside the 41% DTI guideline. Strong residual income can approve a Veteran whose DTI runs high; failing it can sink a loan even at a low DTI.
Talk to an MD 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.