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RD Loan Qualifications

The RD program is designed to assist low to moderate income individuals in obtaining home financing. The individual income limits are determined according to the county in which the property is located. Eligibility is limited to those households that fall within the guidelines. Household income can be affected by family size and total household (not just applicants) income.

Income calculation is based on the income received by borrower, co-borrower and any adults within the household regardless if they are on the loan or not.

Moderate income limits are based on a projection of income for the 12 months. Additional factors to determining eligible income are taken into consideration.  Those factors may include: retirement income (social security, annuities, pensions, retirement funds), alimony, child support, unemployment, disability, severance pay, AFDC, recurring cash contributions, net farm or business income or earned income tax credit, actual or computed from net family assets (when over $5000.00), net educational grants/scholarship/VA benefits and any other income.

Delta Trust Mortgage can quickly determine your eligibility based on answers to a few short questions. Additionally, the same information can be obtained by visiting this website.

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Expert Spotlight
Delta Trust-055

Click here to read the bio of Claude Cousins, Executive Vice-President, Delta Trust Mortgage, Inc.

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