LoanCalculator

Travel Nurse Stipend Mortgage Calculator

Quick Summary

Calculate your qualifying mortgage income using both taxable base pay and non-taxable stipends. Lenders typically gross up tax-free housing allowances by 15-25%, which significantly boosts your borrowing power compared to standard W-2 calculations.

Calculator

Your Inputs

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Your Estimates

Monthly Qualifying Income

$12,270

Max Estimated Loan Amount

$873,561

Assumes a 45% DTI ratio

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Frequently Asked Questions

How much are travel nurse stipends grossed up?

Most mortgage lenders will gross up your tax-free stipends by 15% to 25% when calculating your qualifying income, because this money is not subject to income tax.

Do I need a 2-year history of travel nursing?

Generally, yes. Underwriters want to see at least 12 to 24 months of consistent travel nursing contracts to verify that your stipend income is stable and likely to continue.