Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 360
Registered: ‎02-20-2008
0 Kudos

Child Support

When qualifying for a mortgage, do many banks count child support towards qualifying income?  The bank I'm working with doesn't.  Is this common?  I've been receiving a paltry sum for about 7 years but I would still like to count it so it qualifies me for a slightly larger house. 

Valued Contributor
Posts: 3,302
Registered: ‎06-09-2010
0 Kudos

Re: Child Support

Yes it can be included if you can show proof usually with a court document.
Good Luck
May all your dreams and wishes become a reality!
Valued Contributor
Posts: 2,302
Registered: ‎08-25-2011
0 Kudos

Re: Child Support

If they count it against your DTI if you are paying, then the banks better be counting it as income if you are getting it.

Established Contributor
Posts: 828
Registered: ‎12-09-2012
0 Kudos

Re: Child Support

Get a new bank then.  As long as you can show the child support you're receiving is court ordered, and not just based on an oral agreement, it should be included.  Unless you don't want it to be. 

Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0 Kudos

Re: Child Support

Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
0 Kudos

Re: Child Support

Child support and alimony doesn't have to be included but It also can be included as income.

Regular Contributor
Posts: 182
Registered: ‎03-24-2009
0 Kudos

Re: Child Support

Definitely find a new bank. I was able to get my child support included by only showing 3 months worth of continuous payments. So YES that should include it as income!

Super Contributor
Posts: 7,915
Registered: ‎07-03-2007
0 Kudos

Re: Child Support

try another lender.


if it is court ordered and you can prove that you are actually getting it.... it can be counted


* While I try to visit the forum often, please feel free to contact me directly with a link to your post if I fail to answer a follow up question.

* Lending across the entire 'Great State of Texas' (and now Louisiana)since 2004

* The Loan Officer who you can call anytime... and answers your questions Nights & Weekends

Established Member
Posts: 22
Registered: ‎11-21-2008
0 Kudos

Re: Child Support

I was told that my child support would not factor in because my daughter is 20 and a full time college student. I only have 2 years left on collecting support,

Valued Member
Posts: 42
Registered: ‎04-06-2010
0 Kudos

Re: Child Support

[ Edited ]

Most lenders will use child support as income if it is reliable ( you have recieved it consistently for 12 mos) AND it is likely to continue for the next 2 years.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.