Child Support Income & Home Loans: 6-Month Rule + 36-Month Horizon

TLDR: Child support income can help you qualify for a mortgage—but lenders want to see it’s steady and likely to continue. That usually means 6 months of consistent payments and proof it will last 36 months after closing. Knowing how to document it can make your mortgage journey smoother and less stressful.

For many recently divorced parents, buying a home is more than just a financial step—it’s a statement. It’s about stability, independence, and moving forward.

Child support income can help make that possible. But lenders need to confirm it’s reliable and long-term before including it in your mortgage calculation.

Two timelines matter most: the 6-month history rule and the 36-month continuation rule. These rules aren’t there to make things harder—they’re designed to make sure your mortgage is built on solid, dependable income.

The 6-Month Rule: Show Your History

Think of this as the “prove it works” rule. Lenders want to see that child support income is consistent and ongoing.

What you need:

• Bank statements showing regular deposits
• Official reports from your state child support agency
• Copies of checks or electronic transfers

Quick tip: If child support is a big part of your income, some lenders may ask for up to 12 months of history to really confirm stability.

The 36-Month Horizon: Show It Will Continue

This rule is about the future. Lenders want to make sure the income will last at least three more years after your loan closes.

How to document it:

• Divorce decree or court order with payment terms and end dates
• Verification letters from your attorney or child support office
• Birth certificates or school records confirming child eligibility

Heads-up: If your child is nearing 18 or the end of support eligibility, that portion of the income may not count. It’s all about making sure you’re financially comfortable over the life of your loan.

Why These Rules Matter

• 6-month rule: Shows your income is reliable
• 36-month rule: Confirms it will last long enough to sustain your mortgage

These standards also apply to other non-employment income, like alimony, pensions, or disability. The goal? Your loan is based on income that’s stable, verifiable, and long-term.

What Documents You’ll Need

Be prepared. Typically, lenders ask for:

• Copy of your divorce decree or court order
• 6–12 months of proof showing on-time payments
• Documentation showing income will continue for at least 3 years

If payments go through a state agency, request an official printout—and keep your own records. Good documentation = smoother approval.

Common Challenges (And How to Handle Them)

Irregular payments: Show a pattern of consistency. Use bank statements or texts to back it up.

Informal arrangements: If it’s not court-ordered, lenders usually can’t count it. Consider formalizing your agreement first.

Ending support: If payments stop within 3 years, that income won’t qualify. But your CDLP® may help you find other qualifying income sources or financing options.

How a Divorce Mortgage Specialist Helps

A professional who understands divorce-related financing can save you time, stress, and money. They can:

• Translate legal language into financial terms lenders understand
• Ensure your documents meet underwriting standards
• Create a clear, step-by-step roadmap for qualification

With the right guidance, your income story is presented accurately—and confidently—so you can move forward with fewer surprises.

Moving Forward With Confidence

Navigating divorce and planning your next move can feel overwhelming. But the right mortgage strategy can make all the difference.

As a Certified Divorce Lending Professional (CDLP®) with 35+ years of mortgage experience, I help clients make informed, confident decisions about their homes and financial future.

Every situation is unique. My approach combines expertise with empathy so you have a clear plan that supports long-term stability.

Ready to start your next chapter? Fill out your info below to schedule a free consultation. Together, we’ll create a plan that protects your financial future and gives you peace of mind.

FAQs

1. Can I use child support income if it’s not court-ordered?

No. Lenders require legally documented support because it proves the income is enforceable and expected to continue.

2. How long of a payment history do I need?

At least 6 months of consistent payments. If child support is a large part of your income, lenders may ask for up to 12 months.

3. What is the 36-month rule?

Income must continue for at least 36 months after closing. Lenders verify with court orders, support documents, and your child’s eligibility.

4. What if payments are inconsistent or ending soon?

That income may not qualify, but other income sources or formalizing your agreement can strengthen your application.