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Installment loans have payments and terms based on the borrower's ability to repay.
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In addition, because NACHA rules are private, there is no guarantee for the public that they will exist in the same, or an improved, form in the future.
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Whether you end up with lower payments depends upon your current loan program.
Additionally, if you want to draw funding sources, you will need a plan, showing how you will use the money.
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With a USDA loan, you don't have to make a downpayment; and you're required to take a fixed rate loan.
Lease payments are lower because they cover only the automobiles depreciation and fees related to the contract.
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