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 (South region, family size) | $0 |
VA South Region 2026 residual income requirements (loans ≥ $80K):
Family 1: $441 · Family 2: $738 · Family 3: $889 · Family 4: $1,003 · Family 5: $1,039 · +$80 per add'l member.
SC falls in the South region. Loans under $80K use lower thresholds.
Active-duty BAH raises your net income for this test, and it swings by duty station. Our 2026 BAH figures by South Carolina base show the spread from Fort Jackson to Charleston.
Talk to an SC 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.