The Sword kit has to be better than the old Testors re-popo of the Fujimi kit...
IIRC the Testors/Fujimi kit was actually an F-5B that measured out to 1/50 scale. Off the top of my head the other problems were:
Nose too pointy
Windscreen round front; should be squared because of a fairing (missing on kit)over the instrument panel
Cockpit and seats nonexistent
Wheel wells too shallow or nonexistent
Intake lip incorrect
Box-like fairing under trailing edge of vert fin that was not on the T-38
The kit would require a HUGE amount of scratchbuiling to make it a correct T-38. You might try "backdating" the Mono F-5F but that too would require a great deal of modification.
Mongo