GustanCho is correct. The payment on your personal loan will count against your back end debt-to-income ratio. In the event you get the loan from a family member within 60 days of your closing, you will need to prove it was a GIFT, and no re payment is necessary.
Michael B Gracz NMLS 1160212
Senior Loan Officer at USA MORTGAGE
A Division of DAS ACQUISITION COMPANY NMLS 227262
The Gustan Cho Team at USA MORTGAGE