You have been posting a few questions about having a usda loan for $70,000, help with closing on a loan and now this one which loan is best. You have received different answer, it truly sounds like you need to sit down with someone in person, and ask your question and let them go over what is best for you.
Again if you already have been working with an agent then it is best to sit down with him/her and ask these questions and others. If you are not getting answers or unhappy with that agent, then you may call another.
I would be happy to sit down with you and talk to you about the whole process of buying a home.. Please give me a call and I will help you.. 321.536.3208