Gross income
Credit scores & reportsYour total income before tax and deductions.
Overview
Lenders often look at gross income when assessing affordability.
It includes salary, bonuses, and other earnings.
Why it matters
- It influences how much you can borrow.
- It affects affordability calculations.
- It is used in income verification.
FAQs
Is gross income the same as take-home pay?
No. Take-home pay is net income after deductions.
Do lenders use gross or net income?
They consider both, depending on the product.
Related terms
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