Can I use overtime, bonus, commission, or part-time income for FHA?
FHA may use overtime, bonus, commission or part-time income when its specific history, documentation and stability rules are met. These income types do not all follow the same formula.
What this actually means.
The lender checks the earning history and recent trend before deciding how much to count. A strong prior year does not prove the same extra pay is available now. Overtime, bonuses, commission and a second job each need the applicable review; ask for the actual income calculation rather than assuming every extra dollar will count.
A simple example
Illustration only. This is not an approval or a loan offer.
Where this can move.
Pay type, history, current earnings, employer records, income trend and lender requirements.
Check the sources
Sources checked . Program guidance and lender requirements can change.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.