Mortgage  Question?
Can you use child support income qualify for mortgage?

Can you use income from child support to help qualify for a mortgage? I want to determine what size mortgage I qualify for and how much home I can afford and want to know if I can include monthly child support in my income figure.

Michael Jensen, Mortgage and Finance Guru
, Mortgage and Finance Guru

To address your question about child support / alimony, please note that lenders require documentation, usually a recorded judgment, to verify the amount of the payments and the payment duration must be three years or longer for the lender to include that income in your mortgage application. As long as you have proper documentation and the child support / alimony payments will last at least three years, monthly income from child support / alimony can help you qualify for a mortgage.

The answer to your question about what size mortgage you qualify for depends on your monthly gross income and debt expenses as well as your financial profile including your credit score and job history. You can use our Mortgage Qualification Calculator to determine what size mortgage you can afford based on different monthly gross income (including child support) and debt expense figures. The amount of the mortgage you qualify for plus your down payment equals the price of home you can afford.

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About the author

Michael Jensen, Mortgage and Finance Guru

Michael is the co-founder of FREEandCLEAR. Michael possesses extensive knowledge about mortgages and finance and has been writing about mortgages for nearly a decade. His work has been featured in leading national and industry publications. More about Michael

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