source:
  type: guide
  id: usda-hb-3555-11.7
  authority: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶11.7 —
    Obligations Not Included In Debt-To-Income Ratios
  description: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶11.7
    — Obligations Not Included In Debt-To-Income Ratios.
  coverage_tier: operative
obligations:
- id: usda-hb-3555-11.7-full
  canonical_id: usda-hb-3555-11.7-full
  section: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶11.7 — Obligations
    Not Included In Debt-To-Income Ratios
  type: do
  tags:
  - regulator-direct
  - usda
  - usda-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶11.7
      — Obligations Not Included In Debt-To-Income Ratios
    source_class: usda-handbook
    source_url: https://www.rd.usda.gov/sites/default/files/hb-1-3555_consolidated.pdf
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-05-25T14:10:13Z'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: '11.7 OBLIGATIONS NOT INCLUDED IN DEBT-TO-INCOME RATIOS Obligations
      not considered or included in total debt-to-income ratio calculations include:
      x Medical collections; x Medical payments; x Federal, state, and local taxes,
      unless a payment plan is in place; x Federal Insurance Contribution Act (FICA)
      contributions; x Other retirement contributions such as 401(k) accounts, including
      the repayment of loans secured by 401(k) funds; x Automatic deductions to savings
      accounts, mutual funds, stocks, bonds, certificates of deposit, including the
      repayment of loans secured by such funds; x Collateralized loans secured by
      depository accounts; x Utilities; HB-1-3555 (03-09-16) SPECIAL PN 11-13 Revised
      (05-05-25) PN 640 Guidance documents lack the force and effect of law, unless
      expressly authorized by statute or incorporated into a contract. USDA may not
      cite, use, or rely on any guidance that is not available through their guidance
      portal, except to establish historical facts. x Insurance, other than property
      insurance; x Commuting costs; x Union dues; x Open accounts with zero balances;
      x Child care; and x Voluntary deductions. All liabilities disclosed by the applicant
      should be listed in GUS. The lender may “omit” liabilities as permitted. HB-1-3555
      (03-09-16) SPECIAL PN 12-1 Revised (05-05-25) PN 640 Guidance documents lack
      the force and effect of law, unless expressly authorized by statute or incorporated
      into a contract. USDA may not cite, use, or rely on any guidance that is not
      available through their guidance portal, except to establish historical facts.
      CHAPTER 12: PROPERTY AND APPRAISAL REQUIREMENTS'
  judgment: false
