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USDA Loans vs FHA: Ease Of Qualifying. The amount you can borrow, rather, is limited by your household’s debt-to-income (DTI) ratio, the comparison between your monthly debt payments and gross income. For instance, a home buyer who makes $6,000 per month and $2,000 in monthly debt payments has a DTI of 33 percent.
Once an obscure program, it is now the loan of choice for home buyers that might have gone with FHA. USDA might be the better deal. Whereas FHA requires 3.5% down, USDA requires no down payment whatsoever. Plus, mortgage insurance is cheaper and rates often lower. But many home buyers wonder how these loans work.
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Alejandro Bedoya As Americans mourned a brace of mass shooting this weekend, Alejandro Bedoya of Major League Soccer’s Philadelphia Union had a blunt message for Congress: ‘Hey, Congress, do something now! End.