source:
  type: guide
  id: usda-hb-3555-9.9
  authority: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶9.9 —
    Agency Review Of Repayment Income
  description: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶9.9
    — Agency Review Of Repayment Income.
  coverage_tier: operative
obligations:
- id: usda-hb-3555-9.9-full
  canonical_id: usda-hb-3555-9.9-full
  section: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶9.9 — Agency
    Review Of Repayment Income
  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 ¶9.9
      — Agency Review Of Repayment Income
    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: '9.9 AGENCY REVIEW OF REPAYMENT INCOME The Agency will recalculate
      the lender’s determination of repayment income, as a quality control step, when
      the repayment ratios are within 10 percent of the published debt ratio threshold
      of 7 CFR 3555.151(h). The Agency review is only required for manually underwritten
      loans, defined as application types that are not supported by GUS and applications
      submitted to GUS that have received an underwriting recommendation of Refer
      or Refer with Caution. If the Agency’s calculation does not agree with the repayment
      income calculation of the lender, the Agency will contact the approved lender
      to review the results and determine the appropriate calculation. This action
      will strengthen the oversight procedures to verify compliance with regulatory
      requirements. The Agency will complete Attachment 9-F, Worksheet for Documenting
      Eligible Household and Repayment Income, to record their calculation, which
      will then be uploaded to the Electronic Customer File (ECF). 9.10 OPTIONAL DOCUMENTATION
      OF INCOME FORMS Attachment 9-G of this Chapter provides optional verification
      forms for the lender’s use in verifying non-employed income or adjusted annual
      income deductions as follows: x Verification of Pensions and Annuities HB-1-3555
      (03-09-16) SPECIAL PN 9-13 Revised (08-05-25) PN 649 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 Verification of Student Income and Expenses x Verification of Medical Expenses
      x Verification of Social Security Benefits x Verification of Public Assistance
      x Verification of Child/Dependent Care x Verification of Unemployment Benefits
      x Verification of Business Expenses x Verification of Support Payments Also
      available is an optional form to record an oral verification of employment.
      x Record of Oral Verification of Employment'
  judgment: false
