With the information you've provided, your chances sound pretty great! 28/47% DTI is well within the range acceptable for FHA loans. You only need 3.5% down for a down payment, and the grant will cover that as well as most of your closing costs and pre-paids. (The additional 2K in contributions from the seller will likely be way MORE than what you will need in the end, so I do not foresee any reason you would need a gift from your parents or fiance.) Obviously, I don't know ALL of the specifics of your appication, but based on what you've given (barring any surprises on your credit or appication) things are looking good for you!