2025-2026 USDA Income Guidelines: Updates for Florida, Texas, Tennessee, and Alabama
2025-2026 USDA Income Guidelines
: What Realtors and Homebuyers Need to Know!
There have been several important updates to USDA income guidelines that expand eligibility for no down payment USDA loans. These changes make it easier for more families across Florida, Texas, Tennessee, and Alabama to qualify for affordable homeownership.
In our recent USDA Income Guidelines video series, we explained these updates in detail and why they matter to both homebuyers and Realtors. Today’s post highlights the key changes and how they can help more buyers qualify.
Metroplex Ranked #1 USDA Lender in Florida Again!
Before we dive in, we’re proud to share that USDA has once again ranked Metroplex Mortgage Services as the #1 USDA Lender in Florida for 2025 (also awarded in 2017, 2023, and 2024). We are honored to be known as the best USDA Lender in Florida and thank you for the trust in making this achievement possible and remain committed to helping more buyers achieve homeownership through the USDA No Down Payment program!
Part 1 – USDA Income Guidelines: What are USDA Income Eligibility Requirements?
In part 1 of our USDA Income Guidelines series, we explained the difference between USDA Annual Income and USDA Repayment Income.
It is important to remember that USDA income guidelines require calculation of all the income in the household when determining if a household’s income is within the published USDA Income Limits i.e., Annual Income). Guidelines also require lenders to determine if applicants have sufficient income to repayment the mortgage (i.e., Repayment Income).
2025 USDA Income Guidelines: What This Key Change Means for Realtors and Homebuyers
USDA Debt to Income Ratios have been set within the guidelines for years and years, but in this video post, we break down USDA’s big announcement that USDA Debt to Income Ratios are increasing from 29% all the way up to 34% of your gross monthly income! This short video will show just how much this USDA income guidelines change can affect your USDA loan eligibility!
Only 12 Months Needed? This USDA Income Guideline Can Help More Buyers Qualify!
While other loan programs can require a two-year history for income that was earned from overtime, bonuses, and commissions, USDA income guidelines offer qualifying flexibility with this this type of income. In today’s post, I will show you how it can be possible to use income from overtime, bonus, and commission income to qualify for a USDA loan with only one year of history!
BREAKING NEWS: 2025-2026 USDA Income Limits Have Increased!
Effective, June 18, 2025, USDA announced an increase to their 2025-2026 USDA Income Limits for the Single-Family Housing Guaranteed Loan Program.
A key part of USDA income eligibility involves determining if your household income will meet USDA Income Limits which is also known as “Annual Income.” In this short video, I discussed the recent USDA income limit increases and explain why USDA income limits play such an important part in the USDA qualifying process.
Need a USDA Loan Second Opinion?
Second opinions are always valuable—especially with USDA loans. If you have questions or are working with another lender, we offer a complimentary USDA loan second opinion service.
📩 Email: SeanS@MPLX.org
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☎️ Toll Free: (800) 806-9836 Ext. 280
Experience the “Metroplex” difference and let us help guide you through USDA loan qualifying step by step.
As always, I want everyone to make it a great day and I look forward to seeing your right here for the next tip of the week!
