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USDA Loans for Rural Housing
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I tried lumping the small stuff on my first go-around, thinking it’d save time, but man, that backfired. Underwriter flagged a $350 “miscellaneous” and suddenly I’m digging up receipts from six months ago. I get why people set lower thresholds now—$300 seems safer, honestly. The percentage-of-income idea is interesting, but for me, it just added another layer of confusion. At the end of the day, I’d rather over-document than get stuck in limbo because of a random $400 charge.
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