Texas Divorce Child Support Calculator
Estimate your monthly child support obligation under Texas Family Code guidelines. Understand how child support impacts your mortgage qualification, home affordability, and post-divorce budget — before you sign the decree.
Your Information
Wages, salary, commissions, self-employment income, bonuses.
Estimated Support
Why Child Support Matters in Divorce Lending
Child support directly impacts mortgage qualification for both spouses. Whether you are the paying or receiving parent, understanding your obligation before the decree is signed protects your ability to keep — or buy — a home.
Paying Parent
- Court-ordered child support is treated as a monthly liability by mortgage underwriters.
- It reduces your qualifying debt-to-income ratio and maximum loan amount.
- Missed or restructured payments can disqualify you from refinancing.
Receiving Parent
- Child support can count as qualifying income — but only with the right documentation.
- Lenders typically require a 3–6 month payment history and 3-year continuance.
- Structuring the decree properly protects your ability to refinance or buy.
How Texas Child Support Guidelines Work
Under the Texas Family Code, guideline child support is calculated as a percentage of the paying parent's monthly net resources, up to a statutory cap that is periodically adjusted by the Texas Office of the Attorney General (currently $9,200 per month).
| Children Before the Court | % of Monthly Net Resources |
|---|---|
| 1 child | 20% |
| 2 children | 25% |
| 3 children | 30% |
| 4 children | 35% |
| 5 children | 40% |
| 6+ children | Not less than 40% |
Percentages are reduced when the paying parent has additional children they support who are not before the court, per Tex. Fam. Code § 154.129.
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