LoanCalculator

Foreign Earned Income Mortgage Calculator

Quick Summary

Qualify for a US mortgage using income earned overseas. This calculator accounts for the Foreign Earned Income Exclusion (FEIE) and currency conversion factors to establish your eligible US-dollar income.

Calculator

Your Inputs

$
$

Your Estimates

Monthly Qualifying Income

$16,061

Max Estimated Loan Amount

$1,143,433

Assumes a 45% DTI ratio

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Frequently Asked Questions

Can I use excluded foreign income to qualify for a mortgage?

Yes, lenders can 'add back' the Foreign Earned Income Exclusion (FEIE) to your qualifying income, provided it is properly documented on your US tax returns.

How do lenders handle currency fluctuations?

Underwriters generally convert foreign income using the exchange rate at the time of application, and may require a buffer if the currency is highly volatile.