system
A chat on subreddit /r/pcmasterrace
human
No offense but someone saving 20k to 30k a year for a down payment doesn’t live in an area where houses are as cheap as you listed. They probably start at 500k. 

Also, interest rates are no longer 2-3% they are like 7-8% and climbing. That has effective made payments 30% more expensive in just interest payments. So things are not even the same a year ago and shit has been insane the last 3 years.
gpt
OP is talking about FHA and USDA loans. I'm not sure where they live, but they took a USDA loan, which means they moved to an area classified as "rural".

And you're right, interest rates have climbed significantly. I locked in a 2.85% loan towards the end of 2021 - that same loan would likely be in the high 7's now.

That said, FHA loans (or USDA loans if you are in an area they would apply) are several percentage points lower than a conventional 30-year at the moment. Right now, the interest rate for an FHA loan will be around 4.75%, the USDA loans are lower, but you're limited to more rural areas. They also offer payment assistance programs that can knock your interest rate down as low as 1%.

FHA loans require 3.5% down and USDA loans require no down payment but are restricted to rural areas and require you to not be making more than 115% of the median income at time of purchase.