Heather,
When calculating family size, should my husband and son be included if we are married filing separately?
Thanks!
Ellie

Family size is NOT tied to tax filing status.

Here’s what the regulations say:
Family size means the number that
is determined by counting the borrower,
the borrower’s spouse, and the
borrower’s children, including unborn
children who will be born during the
year the borrower certifies family size,
if the children receive more than half
their support from the borrower. A borrower’s
family size includes other individuals
if, at the time the borrower
certifies family size, the other individuals—
(i) Live with the borrower; and
(ii) Receive more than half their support
from the borrower and will continue
to receive this support from the
borrower for the year the borrower certifies
family size. Support includes
money, gifts, loans, housing, food,
clothes, car, medical and dental care,
and payment of college costs.