Additionally, we can deduct child care expenses directly from your and your husband's gross income. That may serve well to bring your income within the limits.
If don't mind, please tell me what county you are in within Michigan and how many people are in your household.
I all else fails, FHA may be a great option for you. The down payment is only 3.5%. Hope this helps.
Best of luck!
Prudential Tropical Realty
Unfortunately no, that will not solve the issue. USDA looks at HOUSEHOLD income, regardless if one or both of you are on the loan.
I hope that helps.
Derek Bauer, Associate Broker / Realtor
Real Estate One