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Swrlystuff. USDA will need proof of the future payment, either a payment letter from student loan servicer or documentation showing the income based payment (underwriter and USDA field office underwriter may accept that paperwork). Please double check that your lender has determined that the total household income (husband include and occupants 18yrs older) does not exceed the USDA limits for your county. USDA offers an automated underwriting program called GUS. the GUS program may approve your higher ratios (recently had 52% approved and funded) if it does the lender will need to offset the increase risk with the compensating factor - reserves, household income not use as effective (qualifying) income, stability of work, credit depth etc..... hope this helps, USDA is my favorite program.
If none of these options work, FHA will not included the student loans in your DTI. (If deferred 12 months form time of funding) Downside is monthly PMI and 3.5% down payment. FHA might be an alternate option for you.
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