Updated Income Limits for 2025 and Handbook-1-3550

USDA Rural Development sent this bulletin at 06/18/2025 01:47 PM EDT

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USDA Rural Development - Together, America Prospers

SFH Direct Loan and Grant Programs

June 18,2025

Updated Income Limits for 2025 and Handbook-1-3550

The Fiscal Year 2025 income limits for the Single Family Direct Loan and Grant Programs were published today (June 18, 2025) through Procedure Notice (PN) 645.

The income limits were updated in the impacted websites and systems (e.g., UniFi and Section 502’s Self-Assessment tool).

The following automated worksheets were also updated.

Section 502 Worksheet for Computing Income and Maximum Loan Calculator (as found on the Direct Loan Application Packagers page).
Section 504 Automated Worksheet (as found on the Single Family Housing Repair Loans & Grants page under the ‘To Apply’ tab).
Section 504 Rural Disaster Home Repair Grants Worksheet (as found on the Single Family Housing Rural Disaster Home Repair Grants page under ‘To Apply’ tab)
Section 504 Presidentially Declared Rural Disaster Home Repair loan & Grants Worksheet (as found on the Single Family Housing Repair Loans & Grants in Presidentially Declared Disasters Pilot page under ‘To Apply’ tab)

Also, with the posting of PN 645 dated June 18, 2025, changes were made Handbook (HB)-1-3550, Chapter 4, Borrower Eligibility. To follow are a few key highlights of the changes, but please review the PN carefully for more details:

Chapter 4 was revised to:

Increase the elderly/disabled household deduction to $525 (which will be indexed to inflation and adjusted annually).
Require actual income earned by a revocable trust under control of the household, regardless of whether it is distributed, to be considered income to the family at the time it is received by the trust.
Require payments related to aid and attendance under 38 U.S.C. 1521 to veterans during a period of war with non-service-connected disability pension to be considered repayment income.
Added sources of income never considered for annual and repayment income (e.g., civil rights settlements or judgements, including settlements or judgements for back pay)

Program Information

Single Family Housing Direct Loans

Single Family Housing Repair Loans and Grants

Mutual Self Help Housing Technical Assistance Grants

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