<prompt> Human: I have been looking at houses to rent and have come across quite a few that offer a mortgage rate much lower than the rent would be on a similar house with no downpayment. That doesnt make sense to me, so whats the catch? heres an exampleAnother question, Im probably not going to live in the house for more than two years, how does that factor in?  <response>: In this example, theyre selling USDA loans, which have a lot of requirements:You wont always qualify for this.They can also bundle in extra fees and costs throughout the life of the loan. An extra 10k over 30 years might not add much to your monthly payments, but it makes things much more expensive. 