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USDA loan and overtime calculation

Hi guys, im looking at getting a USDA 0 down loan for the rural house I am renting currently.

I am having trouble figuring out what they will put my income at considering all of the OT I get.

Current base wage: $25.24 an hour ($52,499)

2019 W2: $61000

2020 W2: $54500 (lower due to COVID, less OT)

2021: $60498 as of today 9/29 ($73600 projected total 2021 income, if I stopped working any OT right now and only took base wages for the next 13 weeks, realistically it will be around $75k).

So what would my income be considered if I were to attempt to qualify for a home loan in the next month? Im trying to figure this out so I can know what my DTI will roughly be and what I need to plan for.

submitted by /u/juggarjew
[link] [comments]

source https://www.reddit.com/r/RealEstate/comments/pxyunq/usda_loan_and_overtime_calculation/
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