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SFH Guaranteed Origination

August 11, 2025

Elderly Family Deduction Increase

The Single Family Housing Guaranteed Loan Program (SFHGLP) is pleased to announce an increase to the elderly family deduction. HB-1-3555, Chapter 9, Attachment 9-A permits applicants who are age 62 or older to benefit from an elderly family deduction when calculating adjusted annual income. Effective immediately, this annual deduction has increased from $400 to $525 per household.

Handbook changes to reflect the new deduction amount will be forthcoming, however the Guaranteed Underwriting System (GUS) is correctly applying the increased deduction.

Questions regarding program policy and this announcement may be directed to sfhgld.program@usda.gov or (833) 314-0168.

Thank you for supporting the Single-Family Housing Guaranteed Loan Program! 

Help Resources

Rural Development Help Desk:

For GUS system, outage or functionality assistance

Email: RD.HD@USDA.GOV

Important Links:

SFHGLP Webpage: https://www.rd.usda.gov/programs-services/single-family-housing-guaranteed-loan-program

USDA LINC Training and Resource Library:  

https://www.rd.usda.gov/programs-services/lenders/usda-linc-training-resource-library

Procedure Notices: https://www.rd.usda.gov/resources/directives/procedures-notices