Name: 719 Lending
Price range: $$$

Gross-Up Calculator

Monthly Non-Taxable Income ($)*

Please enter a non-negative income amount.

Loan Type*

Type of Non-Taxable Income*

Do you have proof the income is fully non-taxable?*

Borrower’s Actual Tax Rate (%)*

Please enter a tax rate between 15% and 50% for FHA, or 0% and 50% for VA.

Adjusted Gross Income: $4,506.90

Gross-Up Amount: $162.90

How We Calculated This

Your non-taxable income is $4,344.00/month (Social Security, Freddie Mac loan). Since you don’t have proof it’s fully non-taxable, we assume 15% ($651.60) is non-taxable per Freddie Mac’s default rule for Social Security. We then gross up this $651.60 by 25%, which adds $162.90. Adding this to your original $4,344.00 gives a qualifying income of $4,506.90.