Step 4 – Add Up Your Income

You may apply for a loan by yourself or with a co-applicant. The co-applicant can be a friend, spouse, roommate, parent, grandparent, or other relative.

To add up your income separate your regular income from your additional income.

Use the Add Up Your Income tool to add up your income. You will need the following:

• the most recent pay stub from all of your jobs and your co-applicant's jobs; and
• the most recent copy of the checks from your additional income and your co-applicant's additional income (if applicable).