USDA loans count the entire household income. In the case of couples that are separated, the separation time of 3 months or more is required before that income does not need to be included.

Answer: [tweet-start]Qualifying for a USDA loan requires the consideration of the entire household income. Contact me for exceptions.[tweet-end] Income Sources Considered for Annual Income: The income of an applicant’s spouse, unless the spouse has been living apart from the applicant for at least 3 months (for reasons other than military or work assignment), or court […]

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