With a SONYMA mortgage, should I use savings/wed gifts to pay off unsecured debt instead of using for a DP?

Hi. We are first time homebuyers from NY with little savings at this point for a down payment. We think a SONYMA mortgage is a good fit for us because of the low interest rates and help with closing costs and I believe we meet their loan qualifications. We will be getting married at the end of this month and hope to receive at least a few thousand dollars in wedding gifts. Does it make more sense to use that money to pay off unsecured debts, like ccs, autos, etc. to reduce the debt/income ratio, and use the SONYMA DP assistance loan because it has 0% interest and forgiveness after ten years, or should we use the money towards a DP?