The Federal guidelines require that “Household” income calculations involve the review of current “gross income” (not net) earning patterns for all income earning individuals (age 18 and over) and assume that the income currently earned will hold constant for the next 12 months. Depending on the information received, income determination may include review of pay stubs, tax returns and asset documents. Typically, gross (not net) income received over the most recent three months, including but not limited to overtime, bonuses, shift premiums, tips, patterned deposits noted on recent bank statements, interest and dividend income, equity, alimony, child support, social security, annuities, insurance pensions disability, death benefits, unemployment, some forms of TANF or Welfare, or other additional earnings / regular contributions or compensation received is averaged then projected forward 12 months to determine if applicants exceed the federal annual income limits set forth by program guidelines. Regardless of which household member is purchasing the home, Federal guidelines require all persons over the age of 18 to provide income and asset documentation because DPA Eligibility is determined by anylization of “household” size, income and asset totals. The Participating Lenders listed on the DPA Website are trained to know what documentation to request and review to determine household size, calculate income and assets in qualifying applicants for Mortgage Loans with Down Payment Assistance.