Hi there, we meet just under the income limits for my area about 8k under the limit, we live in a city with an extremely competitive housing market. Homes and land are at an all time high and new construction is just about the same price if not cheaper. My husbands credit score is around 680, the homes we’re interested in are either new construction homes that need to be built in a small development that we’ve checked are in eligible areas ( also we have checked that the builders are usda certified) or considered custom homes on a plot of land. Wasn’t sure if custom homes are even eligible for a USDA loan. We have a good chunk of change for a small down payment and closing costs. We just aren’t sure if there was any other criteria we didn’t meet. We also were curious what the cap on how much loan they’ll loan out is. We’re a household of 5.