No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
For USDA, your lender is correct that it is purchase price + USDA fee.
However, my lender is rolling closing into the loan on a USDA guar loan in exchange for a slightly higher interest rate. We locked at 4.375% several weeks ago.
I have to come out of pocket for prepaids which is 3 months taxes, 1 year + 3 months HO Insurance, daily interest based on closing date. My GFE quoted 2 days (we close on the 30th). I do not think any loan allows prepaids to be rolled in, I could be mistaken so Ill let the more knowledgable gurus correct me if I am wrong. My GFE estimated closing costs of $1,327.56. Minus the $1000.00 earnest deposit I gave months ago that comes to out of pocket at closing $327.56.
I can update in a few days when we get the clear to close with the actual figures.
Your scenerio will differ of course based on lender, interest rate, HO ins costs, tax amount, ect. I went into this thinking the USDA Guar loan was really a 100% loan...... nope wrong.