source:
  type: regulation
  id: usda-hb-3555-ch09
  authority: USDA HB-1-3555 ch09 bootstrap
  description: Bootstrap for USDA HB-1-3555 ch09 register.
obligations:
- id: usda-hb-3555-ch09-calculate-document-three-incomes
  canonical_id: usda-hb-3555-ch09-calculate-document-three-incomes
  section: "USDA HB-1-3555 Ch. 9.1 — Introduction [7 CFR 3555.152]"
  description: '[LENDERS] must calculate and document annual, adjusted annual,

    and repayment income. The guidance applies to all loans,

    including manually underwritten loans and loans that utilize

    the Agency''s automated underwriting system, GUS.

    '
  type: do
  audit_question: For every USDA SFHGLP-guaranteed loan, can [LENDER] evidence that it calculated and documented annual, adjusted annual, and repayment income (regardless of whether the file was GUS-underwritten or manually underwritten)?
  workflow_phase: underwriting
  owner_role: underwriter
  secondary_owner_role: loan_officer
  cadence: per_loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - usda
  - hb-1-3555
  - ch09
  - income-calc
  - promoted
  primary_source:
    tier: 1
    authority: "USDA HB-1-3555 Chapter 9.1 — Introduction"
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter09.pdf
    snapshot_id: f7ae1465abd3b32b
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:a48c6d09b99d5d5abf7de3df3c597dc73544ffdb1b0c182213b85ce9a37fa9aa
    paragraph_quote: must calculate and document annual, adjusted annual, and repayment income. The
    drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot f7ae1465abd3b32b (Ch 09) at 2026-05-23. Source PDF retrieved via Wayback Machine.
  promoted_at: '2026-05-23T13:45:38+00:00'
  promoted_from: usda-hb-3555-ch09-roundb-v1.yaml
  program_review: Does the program ensure annual, adjusted-annual, and repayment income are each calculated and documented on every loan, GUS or manually underwritten?
  file_review: Pull a sample; confirm all three income figures are calculated and documented in the file.
  judgment: false
- id: usda-hb-3555-ch09-certify-under-adjusted-annual-cap
  canonical_id: usda-hb-3555-ch09-certify-under-adjusted-annual-cap
  section: "USDA HB-1-3555 Ch. 9.2 — Eligibility Income Overview"
  description: '[LENDER] must certify that any household that requests a loan

    guarantee does not exceed the adjusted annual income threshold

    for the applicable state and county where the dwelling is

    located.

    '
  type: do
  audit_question: For every USDA SFHGLP-guaranteed loan, can [LENDER] evidence its certification that the household's adjusted annual income does not exceed the moderate-income threshold for the applicable state and county where the dwelling is located?
  workflow_phase: underwriting
  owner_role: underwriter
  secondary_owner_role: loan_officer
  cadence: per_loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - usda
  - hb-1-3555
  - ch09
  - income-limit
  - eligibility
  - promoted
  primary_source:
    tier: 1
    authority: "USDA HB-1-3555 Chapter 9.2 — Eligibility Income Overview"
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter09.pdf
    snapshot_id: f7ae1465abd3b32b
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:a48c6d09b99d5d5abf7de3df3c597dc73544ffdb1b0c182213b85ce9a37fa9aa
    paragraph_quote: lender must certify that any household that requests a loan guarantee does not exceed the
    drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot f7ae1465abd3b32b (Ch 09) at 2026-05-23. Source PDF retrieved via Wayback Machine.
  promoted_at: '2026-05-23T13:45:38+00:00'
  promoted_from: usda-hb-3555-ch09-roundb-v1.yaml
  program_review: Does the program ensure [LENDER] certifies the household's adjusted annual income does not exceed the moderate-income threshold for the applicable state/county?
  file_review: Pull a sample; confirm the adjusted-annual-income certification against the applicable state/county threshold.
  judgment: false
- id: usda-hb-3555-ch09-accurate-annual-income-calc
  canonical_id: usda-hb-3555-ch09-accurate-annual-income-calc
  section: "USDA HB-1-3555 Ch. 9.3.B — Calculation of Annual Income"
  description: '[LENDERS] are responsible for accurately calculating annual

    household income. The calculation should be logical based on

    the history of income and documentation provided.

    '
  type: do
  audit_question: For every USDA SFHGLP-guaranteed loan, can [LENDER] evidence accurate calculation of annual household income, with a calculation logical based on the history of income and the documentation provided?
  workflow_phase: underwriting
  owner_role: underwriter
  secondary_owner_role: loan_officer
  cadence: per_loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - usda
  - hb-1-3555
  - ch09
  - annual-income
  - promoted
  primary_source:
    tier: 1
    authority: "USDA HB-1-3555 Chapter 9.3.B — Calculation of Annual Income"
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter09.pdf
    snapshot_id: f7ae1465abd3b32b
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:a48c6d09b99d5d5abf7de3df3c597dc73544ffdb1b0c182213b85ce9a37fa9aa
    paragraph_quote: Lenders are responsible for accurately calculating annual household income.
    drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot f7ae1465abd3b32b (Ch 09) at 2026-05-23. Source PDF retrieved via Wayback Machine.
  promoted_at: '2026-05-23T13:45:38+00:00'
  promoted_from: usda-hb-3555-ch09-roundb-v1.yaml
  program_review: Do the P&Ps facilitate accurate annual-household-income calculation — a method logical against the income history and documentation provided?
  file_review: Pull a sample and re-derive the annual income; the officer judges whether the calculation is logical and accurate against the income history and documents.
  judgment: true
_promotion_history:
- promoted_at: '2026-05-23T13:45:38+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\usda-hb-3555-ch09-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
