I was at a SURP and the GPAs seemed to run the gamut... I think a 3.2 will be OK if you're articulate in your application, have good LORs, and show you have a real interest in research. Another good idea is to apply for the NIH Summer Program and contact individual PIs about working in their lab, which avoids some of the competative elements of the SURP application process:
I'm also applying to some of these programs. Most of them say your gpa needs to be over 3.0, so if you have a 3.2, it seems like you should be fine. It seems to me that they will base a lot of their decision making on the essays you write. I'm not the expert though.....good luck!!! How many are you applying to? THere are so many and I wanted to apply to a good number of them so that I have a chance of getting in, but I feel bad asking my professors to do so much work, as some of them require LORS in hard copy and some require upload on the internet...how are you dealing with the LOR issue?