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

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

Re: Child Support

Yes it can be included if you can show proof usually with a court document.
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Valued Contributor
Posts: 2,297
Registered: ‎08-25-2011

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

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

Re: Child Support

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Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011

Re: Child Support

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

Regular Contributor
Posts: 174
Registered: ‎03-24-2009

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: 6,346
Registered: ‎07-03-2007

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


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

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

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.

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