USDA home loan eligibility for rural and small-town buyers
Income that counts
Plain answer
USDA counts income from all adult household members, even those not on the loan, when checking the area limit. This differs from the income a lender uses to qualify you. Allowed deductions can lower counted income.
Last reviewed against the primary sources listed below.
Count
- Each adult's income.
- Allowed deductions.
Neighbors also ask
Does my roommate's income count for USDA?
Adult household members' income counts toward the limit.
Is household income the same as qualifying income?
No, they are measured differently.