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ATTACHMENT 9-F WORKSHEET FOR
DOCUMENTING ELIGIBLE
HOUSEHOLD AND REPAYMENT INCOME
[AGENCY USE ONLY]
Agency Instructions: Recalculate income in the circumstances noted below. Retain this worksheet as part of the permanent SFHGLP file, when applicable. If the reviewer agrees with the lender’s income calculation, check the box indicating agreement with the lender’s calculation; otherwise complete the recalculation of income in the space provided.
Eligible Household Income: Recalculate the lender’s determination of eligible income if the lender’s adjusted annual income calculation is within 10 percent of the applicable published income limit for manually underwritten loans. The published income limits may be found at the public website: http://eligibility.sc.egov.usda.gov/eligibility/
Repayment Income: Recalculate the lender’s determination of repayment income for manually underwritten loans if the lender’s repayment ratios are within 10 percent of the published debt ratio limit found at §7 CFR 3555.151(h).
Definition - Manually Underwritten Loan Files: 1) Loans submitted by lenders that are not supported by the automated underwriting system, GUS. 2) Loans submitted to GUS, that have received an underwriting recommendation of Refer or Refer With Caution. Accept and Accept with Full Documentation loans are not manually
GENERAL INFORMATION
Applicant(s): GLS Borrower ID: Lender:
AGENCY WRITTEN ANALYSIS DOCUMENTING ELIGIBLE HOUSEHOLD INCOME Consider anticipated income for the next 12 months for all adult household members as described in 7 CFR §3555.152(b). Consider qualifying deductions as described in 7 CFR 3555.152(c). Website for instructions/technical handbook/notices: https://www.rd.usda.gov/resources/directives.
Calculate and record how the calculation of each income source/type and deduction was determined in the space below.
I have reviewed the lender’s calculation and compared it to income verifications. I agree with the lender’s calculation of eligible household income.
$
By:
Date:
(Title)
-(03-09-16) SPECIAL PN 9-62 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.
sfh-gainingaccesstogusv2 pdf
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Applicant(s): GLS Borrower ID: Lender:
$
By:
Date: (Title)
-(03-09-16) SPECIAL PN 9-63 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.
sfh-gainingaccesstogusv2 pdf