were originally gunning for- such is the case with my son. They were looking at a new build in Saratoga Springs a year ago pre-pandemic. New homes were listing for about 390K. He was going to go the USDA loan, which caps income at 90k. He was told he needed to wait a year due to some credit issues. He circled back and all of the homes went from 390 to average 510K. 90K won't afford it under the USDA program.