However everyone who will reside in the home will have their income included in the "eligible" income figure that *has* to fit within USDA limits - doesn't have to do with how much you can qualify for but if the household income is too much then USDA isn't even an option.
Those eligibility income limits you can find at http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do by click on "Income Eligibility" or "Income Limits" on the left side depending on which way you want to look it up.
You can find a worksheet on how to calculate "eligible" income at http://www.rurdev.usda.gov/SupportDocuments/an4575.pdf starting on page 5.
I do about one USDA loan a month if you'd need figuring things out, have any questions, or would just like information about the program I'd be happy to help.
I can give you his e-mail address and I am sure he will respond today or tomorrow:
His name is Shane Milne and his e- is: email@example.com
By the way, I was looking at USDA loans, being in Fresno we have a lot of Ag properties: Are you sure that the property you want is qualified for USDA? I wouldn't want you to get in too deep and find that out.
Good luck and may God bless