At present the USDA i believe is at 3.5% on a 30 yr mortgage loan.
Thus ... $145,000.00 mortgage loan @ 3.5% for 30 yrs. = $651.11 per month. P. & I.
30% of your monthly income to qualify would be approx $2,170.00 per month ...
Thus the annual income would be about $26,040 to obtain that loan. Note .. other factors
might also apply and the 30 % est. might be 28% or so.
Hope this helps. Best Regards .. Doug Bragg, Broker; Coldwell Banker Seal. 503-826-9207