source:
  type: guide
  id: usda-hb-3555-9.6
  authority: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶9.6 —
    Agency Review Of Household Income
  description: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶9.6
    — Agency Review Of Household Income.
  coverage_tier: operative
obligations:
- id: usda-hb-3555-9.6-full
  canonical_id: usda-hb-3555-9.6-full
  section: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶9.6 — Agency
    Review Of Household 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 ¶9.6
      — Agency Review Of Household 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: '9.6 AGENCY REVIEW OF HOUSEHOLD INCOME The Agency will recalculate
      the lender’s determination of adjusted annual income, as a quality control step,
      when the lender’s calculation is within 10 percent of the applicable published
      income limit. 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 exceeds the adjusted annual
      income threshold, the Agency will contact the approved lender to review the
      results and determine the appropriate calculation. This review will ensure adjusted
      annual household income calculations are correctly computed and include all
      applicable income. 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).SECTION 2: REPAYMENT
      INCOME [7 CFR 3555.152(a)]'
  judgment: false
