USDA household income generally cannot exceed about 115% of area median income. See how limits work by county and household size with The 2 Mortgage Guys.
USDA household income generally cannot exceed about 115% of area median income. See how limits work by county and household size with The 2 Mortgage Guys.
LOAN PROGRAMS
CLIENT BENEFITS
MORE PAGES
USDA household income generally cannot exceed about 115% of area median income — and that cap varies by county and household size. All adult household members’ income counts, not just the borrowers on the loan.
The limit is not one national number — it is calculated locally and updated every year.
USDA looks at total household income — not just what appears on the loan application. Here is what typically gets included.
USDA uses annualized household income with specific adjustments. Some deductions and exclusions may apply depending on your file.
Being above the USDA cap is not the end of the road — it just means a different program may fit better right now.
Related guides to help you compare options and move toward pre-approval.
2MG Daily
Recent articles from our blog on USDA loans, rural eligibility, and zero-down financing.
No related blog posts yet. Check back soon for the latest updates.
We will look up your county limit, count household income correctly, and map the best program for your file.
Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at .
Follow Us On
Contact
Ryan Minick NMLS# 203249
Steve DeLon NMLS# 202876
NMLS#
1221 Appletree Lane, Kokomo, IN 46902
© The 2 Mortgage Guys at . All rights reserved.