Hello Micheal, the best professional person to help you with your financing needs and I know she will give you the appropriate information regarding the FHA loan financing. Paula Kay with 1st Niagara she can be reached by cell# 316-6655 or her email is firstname.lastname@example.org. If you need anything further I would be glad to help you with any of your real estate needs.
You better talk with an Elder-law attorney who has full knowledge of the system. If you put your wife's name on the title you may disqualify her from SSI as it then becomes an asset. Talk to an attorney who knows or contact ECD of Social Services.