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VA Disability Income Gross-Up Calculator

Program figures verified July 2026. Details change; confirm your scenario with us.

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

By Mike Certo, NMLS #260555:

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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.

Common questions

Can lenders gross up VA disability income?

Yes. Because VA disability compensation is tax-free, lenders gross it up, typically by 25%, when comparing it against taxable income. That raises the qualifying income figure used under the 41% debt-to-income guideline.

Does grossing up income change my actual payment?

No. Grossing up only affects how a lender counts your income for qualifying. It does not change your monthly payment or the loan amount, but it can expand the price range you qualify for.

Talk to an OR 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.

Authoritative source: the VA home loan overview.