Which of the following is classified as an acceptable repayment income?

Bonuses and commissions are classified as acceptable repayment income in the context of USDA Rural Housing Loans because they are considered reliable sources of income that contribute to the borrower's overall financial stability. Lenders typically view this income as part of the borrower's ability to make monthly mortgage payments, provided it can be documented and shown to be consistent over time.

In contrast, income from casual side jobs might not be viewed as stable or reliable enough to qualify, as it can fluctuate significantly and may not be guaranteed. Lump sum payments from a trust are generally considered one-time income rather than ongoing income, making them less suitable for determining repayment capacity. Educational scholarships are typically not classified as income for loan purposes because they are intended to cover specific educational expenses and do not represent disposable income available for mortgage repayment. Therefore, bonuses and commissions stand out as the most reliable and consistent form of income in this context.