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What's the purchase price and how much do you have in reserves?
Just be prepared to go FHA and be done with it---especially if your family is attached to the property, but I hope it works out well for you.
GUS has been awful quirky to work thru in the past year or so...
Congrats on getting the accept! I know what a huge relief that can be. As a bit for comparison, I have the exact same middle score as you (660) and just got a FHA loan at 4.375%. I would think under USDA you could do better than 4.5% given your scores. There is no exact rate they should be offering as for each lender it can vary. It may be worth comparing to another lender as I do believe you should be able to do better than 4.5%