With SONYMA loans, two distinct income calculations are made to determine the applicant’s eligibility. The first calculation is called “underwriting income” and the second is called “compliance income”. • Underwriting Income – This calculation is done in the same or similar way that other conventional mortgage lenders use to determine income. It is to ensure that applicants make sufficient income to pay their monthly mortgage payment and other debts. • Compliance Income – This calculation is unique to a SONYMA loan and is required by Federal law. It is to determine if the applicant’s household income is within our Household Income Limits.