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Fha self sufficiency test worksheet

Fha self sufficiency test worksheet 2026

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The document outlines the FHA Three- to Four-Unit Rental Income Self-Sufficiency Worksheet, which is essential for qualifying for an FHA insured mortgage. It details the calculation of Net Self-Sufficiency Rental Income, requiring that rental income exceeds principal, interest, taxes, and insurance (PITI). Properties must pass a self-sufficiency test where the ratio of PITI to net rental income cannot exceed 100%. Guidelines include documentation requirements for rental income and reserves, as well as restrictions on transient use of the property.

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Click ‘Get Form’ to open the FHA Self-Sufficiency Test Worksheet in the editor.
Begin by entering the PITI (Principal, Interest, Taxes, and Insurance) for the subject property in section (A). This is crucial as it forms the basis for your calculations.
Next, calculate the Net Self-Sufficient Rental Income. In section (B), input the appraiser’s estimate of fair market rent from all units, subtracting either the appraiser’s estimate for vacancies and maintenance or 25% of the fair market rent.
In section (C), divide the PITI from section (A) by the Net Self-Sufficiency Rental Income from section (B). Ensure this percentage does not exceed 100%, adjusting your loan amount if necessary.
Review general guidelines regarding documentation and reserves to ensure compliance with FHA requirements before finalizing your form.

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