How BAH (Basic Allowance for Housing) can help you get a loan

How Basic Allowance for Housing helps you get a mortgage

A factor that’s used to determine qualifications for a mortgage is having a low debt-to-income ratio.  BAH acts as verifiable and reliable income that helps to reduce that. Being an active duty service member makes you eligible to the Basic Allowance for Housing (BAH) even though it is not specifically designed for mortgages.


There are a lot factors to consider to find out your BAH rate. It is non-taxable, the amount depends on the location, pay grade, etc. Read through this article and be sure to consult a mortgage professional who is knowledgeable about the VA Loan process to help you weigh your options and be well informed about how this truly works.

To find houses eligible for VA financing, please visit

Amy Photo 1
Amy Merrill
Real Estate Salesperson

Keller Williams Realty GR West

550 Latona Rd., Bldg. C, Ste 301

Rochester, NY 14626

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