With my situation should i go FHA or USDA?I make about 25k, my dad (who will be living with me) makes 37k my girlfriend makes 17k and her son (16) and my mother will be living with us and my credit score is 657 (that's the middle score or whatever its called) i have no delinquent accounts, no bad marks on my credit (2 medical bills). i talked to a lender yesterday and with my situation i could get pre-qualified for up to 90k with an fha loan and need to come up with about 5500 for closing. She did not seemed that interested in talking about USDA loans because she said "all the stipulations" but it think that it may still be my best route and i think i know of most of the stipulations and 5500 is a lot of money to come up with and if i could get the USDA loan i dont have to pay that or PMI. The counties i am looking to buy in i have already checked my eligibility in and we fit within the guidelines. I just want to do what would be best for myself, she said at 90k my monthly payment would be around $650 and i know that it would be much less without PMI so any info would help!August 14 2010 - Canton00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.