VA assumable mortgage

[Daniel Kries]

For some background info I just closed on my first home using a VA loan . I'm currently house hacking and mortgage is covered and then some . I have a coworker who is eager to sell her townhome and she is willing to have me assume the mortgage .
VA loan 

Bought for  165,000

5,000 in equity 

Willing to sell for 180,000

3.125 interest rate 

My dilemma starts with me just closing on my first home and my debt to income ratio. My Mother and I have a great relationship and she’d be willing to consign .