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Mortgage Income Calculator & Document Checklist

Pick your employment type, enter your income, and get a qualifying-income estimate plus the exact list of documents your lender will need.

1 How do you earn income?

Select every type that applies. Run the calculator once per borrower.

2 Enter your income

Tap the i buttons for exactly where to find each number. Use gross (before-tax) amounts.

Select at least one employment type above to see the income fields.

3 Your document checklist

Updates automatically from your selections above.

This tool provides an estimate for planning purposes only and is not a loan approval or commitment to lend. Final qualifying income and required documentation are determined by the underwriter under the applicable investor and agency guidelines (Fannie Mae, Freddie Mac, FHA, VA) and can differ by program, lender overlay, and file. Additional documents may be requested.