Fha Funding Fee USDA Vs. FHA Home Loan?

USDA vs. FHA Home Loan? - fha funding fee

My bank is willing to take a loan, the USDA grant for a new house and it sounds too good to be true is to be (no deposit / RMI, etc.. Said) But the Loan that you give 102% of the value of the house. . It is the opinion of the appraiser values the house of $ 130,000, but the seller wants $ 135,000. I only get $ 130,000 plus financing in the amount of 2%? An FHA loan is best for me? I paid a credit score of 635 and only all my medical library.