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VA Disability Income Gross-Up Calculator

Tax-free disability income gets grossed up to its taxable equivalent for mortgage DTI. Standard is 25% but some lenders go higher.

Your inputs

Disability income
2026 VA disability rates: 10% = $175 · 30% = $545 · 50% = $1,114 · 70% = $1,759 · 100% w/ spouse = $4,098.
Per Fannie Mae + VA guidelines, lenders may gross-up tax-free income to its taxable equivalent. 25% is most common; some VA-specialty lenders use 30%.
Optional — see DTI impact

Your qualifying income

$0 grossed-up disability income
Actual disability income$0
Gross-up boost$0
Grossed-up income for DTI$0
Other income$0
Total qualifying income$0
Total debts (PITI + other)$0
Front-end ratio (PITI ÷ income)0%
Back-end DTI0%
Tax-free income that can be grossed up: VA disability, VA pension, SSI, military allowances (BAS/BAH for active duty), child support that is non-taxable, qualified retirement income from Roth distributions.

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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.