FHA Self-Sufficiency Calculator

1st Calculation - Mortgage Payment
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A7. Total
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2nd Calculation - Rents
(per apraisal, all units including the unit chosen by the borrower for occupancy).
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B3. Total Net Rental Income
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Total Payment
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Net Rental Income
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Ratio not to exceed 100%:
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Notes:

Per ML 11-11, the self-sufficiency test applies in its entirety to both refinance and purchase transactions.

Borrower must have 3 months' PITI reserves after closing from own funds and CANNOT be from a gift.

Maximum mortgage is limited so that the ratio of the monthly mortgage payment pided by the monthly.

Net rental income does not exceed 100%.