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Debt To Income Ratio |
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Residual income |
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Gross Monthly Income |
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Monthly Housing Expense (PITI) |
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Principal and Interest Payment |
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Property Taxes |
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Homeowner's Insurance |
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Homeowners Association Dues |
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Total |
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Monthly Debts and Obligations |
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Car(s) |
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Revolving Charge Accounts |
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Installment Loans |
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Child Care Expenses |
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Other |
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Total |
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Monthly Maintenance & Utilities |
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Total Square Footage |
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Square Footage X 14 cents per sq. ft. |
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Total |
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Monthly Taxes |
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Federal Income Tax (from pay stubs) |
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State Income Tax (from pay stubs) |
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Social Security (salaried or SE'd) |
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Other |
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Total |
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Residual Income |
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Actual Resdiual Income |
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Debt-to-Income Ratio (VA guideline 41%) |
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Actual Debt-to-Income Ratio |