USDA Income Eligibility

Unlike other loan programs, the USDA home loan imposes a cap on the total cumulative income earned by all members of a household. Income for each member of the household is taken into consideration into the USDA income cap even if the members of the household are not on the loan. The income of other household members that are not on the loan will not be taken into consideration for debt to income ratio qualification purposes; however, it will be counted in the USDA income cap. Income information and documentation will need to be provided on any member of the household that is currently working even if they are not on the USDA home loan.

The USDA income cap is based upon two factors:

  • The county you are purchasing the home in.
  • The size of your household.

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Verify if your income is within the USDA Income Cap

About Us was established with one in mind - To make the public aware of the benefits and advantages of the USDA Home Loan Program. is recognized as serving potential homeowners interested in purchasing a home with $0 down payment , 100% mortage financing. is brought to you by infinite Lending Solutions, Inc. is not affiliated with any government agency, including the USDA.
We provide consumers with helpful information regarding the USDA Home Loan Program.
This site is designed to educate consumers and bring consumers together with licensed USDA Mortage Loan Specialists.