Updated Adjusted Annual Income Deductions

USDA Rural Development sent this bulletin at 08/04/2026 07:00 AM EDT

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USDA Rural Development - Together, America Prospers

SFH Guaranteed Origination

August 4, 2026

Updated Adjusted Annual Income Deductions

The Single Family Housing Guaranteed Loan Program (SFHGLP) is announcing increases to the adjusted annual income deductions. Handbook 1-3555 allows applicants age 62 or older to receive an elderly family deduction when calculating adjusted annual income. Effective immediately, this annual deduction has increased to $550 per household.

Handbook 1-3555 also provides a deduction for each eligible dependent in the household. This deduction has increased to $500 per dependent.

Handbook updates reflecting these changes will be released soon. The Guaranteed Underwriting System (GUS) is already applying the new deduction amounts correctly.

For questions about program policy or this announcement, please contact 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

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