Your inputs
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.
AZ falls in the West region. Loans under $80K use lower thresholds.
Active duty? Your BAH feeds the income side of this test, and it shifts by base, compare the 2026 Tucson and Davis-Monthan BAH against Phoenix when you pick a metro.
Talk to an AZ VA loan specialist about your numbers
Have a question about what this calculator showed you? Mike Certo (Cornerstone First Mortgage, 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.