USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶11.7 — Obligations Not Included in Debt-to-Income Ratios

usda-hb-3555-11-7

USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶11.7 — Obligations Not Included in Debt-to-Income Ratios. Current text: Chapter 11 as revised 11-25-25 by USDA Procedure Notice 651, verbatim from the chapter PDF on rd.usda.gov.

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Verbatim provisions from USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶11.7 — Obligations Not Included in Debt-to-Income Ratios — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

USDA HB-1-3555, Chapter 11 (Ratio Analysis), § 11.7 — Obligations Not Included in Debt-to-Income Ratios

Effective 2025-11-25 · USDA chapter revision · Procedure Notice 651

11.7 OBLIGATIONS NOT INCLUDED IN DEBT-TO-INCOME RATIOS Obligations not considered or included in total debt-to-income ratio calculations include: • Medical collections; • Medical payments; • Federal, state, and local taxes, unless a payment plan is in place; • Federal Insurance Contribution Act (FICA) contributions; • Other retirement contributions such as 401(k) accounts, including the repayment of loans secured by 401(k) funds; • Automatic deductions to savings accounts, mutual funds, stocks, bonds, certificates of deposit, including the repayment of loans secured by such funds; • Collateralized loans secured by depository accounts; • Utilities; • Insurance, other than property insurance; • Commuting costs; • Union dues; • Open accounts with zero balances; • Child care; and • Voluntary deductions. All liabilities disclosed by the applicant should be listed in GUS. The lender may “omit” liabilities as permitted.

Source: USDA HB-1-3555, Chapter 11 (Ratio Analysis), § 11.7 — Obligations Not Included in Debt-to-Income Ratios · source URL · snapshot cac1a8312ee14429

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Source of record: https://claudeforcompliance.com/regs/usda-hb-3555-11-7/ · register usda-hb-3555-11-7 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.