USDA loans are a solid option, but FHA down payment assistance (DPA) programs tend to be less restrictive. USDA loans come with income limits and stricter debt-to-income ratios, which can lower your purchasing power. On the other hand, FHA DPA programs offer more flexibility, making it easier to qualify and potentially increasing your buying power. Your DTI on a USDA loan is about 34%, meaning your new mortgage all your debt can only total 34% of your entire income! While FHA DPA can go up to 55