USDA Q & A HELP!!!??!?!?!?

Hello,
Has anyone ever got a USDA home loan? If so, how does it all work and what problems did you come about?

Also,
Unlike FHA loans that cant have missing paint, etc, does the USDA loan have any requirements for the home besides thr Rurall Area which is DOES qualify for. Also my income is about $ 1600monthly, my debt to income ratio is about 13% and the purchase price is $ 62,500.

Thanks!

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