$17.00 / $13.00 and this is giving you a headache? Having a 600 credit score and trying to get a loan would give most people a headache.
With FHA you'll be signing more paperwork at the closing. There.
If you're a first time home buyer, check this out. http://www.brandonschuppe.com/newtaxcredit.html
That might make you feel better.
Congradulations on getting a loan. That can be quite a struggle these days. Going with a lower monthly payment is probably the best. An FHA loan is a good loan. I need more information to really help you. Hit my website @ http://www.RichKnapp.com and I can hook you up with a mortgage expert.