Should I take the USDA or FHA loan?

I am stuck at this moment trying to figure out what loan I should use. I have saved up the 3.5% for the down payment on an FHA loan. But it would be nice to save that money by using the USDA loan which requires no down payment. Now, the FHA is at 4.875% on a 153,000 loan after the 3.5% down, and the USDA is at 5.25% on a 158,000 loan with no down payment and no MI. Both monthly payments are about the same with the USDA being about $40 less. Could someone please tell me what would be best? It seems like they will be virtually the same with the exception of about 5400 dollars in cash if i went with the USDA. I am just trying to save myself money and at the same time make money when I do resale. PLEASE HELP!