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FHA Loan vs. Conventional Mortgages. Traditional home loans simply don’t work for everyone. With an FHA loan you can get into the home of your dreams and still have cash set aside for the costs associated with home ownership. See how the FHA Loan compares to a conventional home mortgage:. Qualified borrowers including veterans and some rural buyers may pay as little as 0% down. The average down payment of an FHA loan is only 3.5% of the purchase price of the home. There is an increased risk for your lend...

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