Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Would I qualify for a USDA loan?
Sounds feasible.  I make $45000 a year, with two car payments, credit card and student loan debt.  Also, my wife doesn't work.  I was approved for a $116000 house with a USDA loan.  There are limits or how much debt you can have when applying for a USDA (sorry, I can't remember off the top of my head) and you'll also be getting the house inspected under different regulations.   For instance, we couldn't get approved until the seller put a handrail on a set of exterior stairs.  That regulation is specific to USDA along with a few others. I'm living in southern Indiana and this just happened a couple months ago for us. Make sure you have some money set aside for various things like a lawn mower and if the siding blows off the night after you move in (yup, that happened).  Also, shop around for homeowner's insurance.  We did some hunting, and we found a provider who was willing to price match and ended up saving some money on our car insurance as well.