For determining household income, which of the following members is included?

The correct choice is all adult members because, when determining household income for USDA Rural Housing Loan eligibility, it is essential to consider the total income of all adults residing in the home. This comprehensive approach ensures a more accurate representation of the household's financial resources, which is critical for assessing their ability to repay the loan.

Taking into account all adult members, including those who may not be the primary applicant or co-borrowers, allows for a holistic view of the household's economic situation. This can include wages, self-employment income, social security, disability payments, and other sources of income that contribute to the household's financial strength.

This inclusive methodology helps in making fair lending decisions and aligns with the USDA's objectives to assist low-to-moderate income households in achieving homeownership, thereby enhancing community stability and growth.