VA Disability Income Gross-Up Calculator | Tax-Free Income Treatment

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

Your inputs

Disability income

Monthly VA disability income

2026 VA disability rates: 10% = $175 · 30% = $545 · 50% = $1,114 · 70% = $1,759 · 100% w/ spouse = $4,098.

Gross-up percentage

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

Other gross monthly income (W-2, retirement, etc.)

Proposed monthly PITI

Other monthly debts

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 DTI	0%

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.

Talk to an ID 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.