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FHA Loan Basics – The Balance – FHA loans allow you to buy with as little as 3.5 percent down.. credit unions issue the loans, and the FHA provides backing: If you don't repay your loan, the FHA will pay the lender instead. Loan amount: The FHA limits how much you can borrow. How Loan-To-Value Can Affect You Mortgage Loan.

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What's My Payment? – Official Site – Avoid paying monthly mortgage insurance by putting as little as 5% down and having your lender pay your mortgage insurance (PMI). Read More. How Much is fha mortgage insurance? fha mortgage insurance consists of a financed upfront fee of 1.75% of your loan amount. A monthly premium is calculated based on loan term and down payment.

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