HUD's New Policy: The unborn child of a pregnant woman will be counted as a family member.

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NEW POLICIES INTRODUCED IN HANDBOOK 4350.3 REV-1

6. FAMILY SIZE FOR INCOME LIMITS

• New Handbook: Owners must include unborn children and children who are in the process of being adopted for determining family size for income limits.

• Old Handbook: Owners must count all children anticipated to reside in a unit for determining how many bedrooms a family may occupy. A note at the bottom of Figure 3-6 indicated that unborn children and children who are in the process of being adopted are considered household members for determining income limits, however guidance was given to disregard this note.
Source: https://www.hud.gov/sites/documents/DOC_20473.PDF

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Change is in the Wing, Praise God!