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You can move-in with as low as a 3% down payment. If you don’t have that large down payment FHA is not your only choice. You can move-in with a conventional 3% down loan payment too! Also, for conventional loans a low-down payment for as low as 3%, even for a first-time home buyer. You can decrease or remove the monthly Mortgage Insurance (not a possibility with FHA). Normally, quicker, smoother and with a lesser monthly payment than FHA. You can also use gift funds for your whole down payment.
