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A student loan with a $92,538 balance and a stated monthly payment of $35 is not a fixed term loan. $92,538 / $35 = 2,643 payments (a 220 year The following slides will highlight a few key credit requirements. • Credit requirements may vary for loans underwritten with the assistance of the GUS Applicants are not required to have a minimum credit score to qualify for USDA's guaranteed underwriting credit requirements. However, most lenders will want a Announcement 2019-082: USDA Student Loan Update · The higher of one half percent (.50%) of the loan balance or the actual payment reflected on the credit report All manual underwrites require a USDA approval of credit waiver. ✓. No AUS accepted. ✓. Loan Amount: The minimum loan amount is $50,000.To be eligible the applicants middle credit score must be at least a 620. The standard debt to income (DTI) ratios for the USDA home loan are 29%/41% of the And, their TD ratio (total debt including car payments, student loans, etc.) cannot exceed 41% of their monthly income. Your property must meet eligibility B. Section 504 Loans B. Gathering Basic Eligibility and Financial Information B. Providing Homeownership Education Information to the Applicant.