Looking for a breakdown of hidden costs and closing fees for conventional loans versus FHA loans so I can figure out which one is truly cheaper for a strict budget.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Looking for a breakdown of hidden costs and closing fees for conventional loans versus FHA loans so I can figure out which one is truly cheaper for a strict budget.
6 real searches · 1 real-search pass
2026 FHA loan upfront mortgage insurance premium annual MIP rates HUD official conventional PMI cancellation CFPB closing costs loan estimateGoogle ↗
OBSERVED
CFPB closing costs mortgage loan estimate prepaid costs escrow recording appraisal title fees officialGoogle ↗
OBSERVED
Fannie Mae conventional loan PMI cancellation 80 percent 78 percent officialGoogle ↗
OBSERVED
2026 FHA mortgage insurance premiums upfront 1.75% annual MIP duration HUD officialGoogle ↗
OBSERVED
CFPB mortgage closing costs loan estimate prepaid escrow fees conventional FHA PMI cancellation 80% 78% officialGoogle ↗
OBSERVED
New Jersey mortgage closing costs transfer tax mansion tax buyer seller 2026 officialGoogle ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 6 queries…
Searches and sources
ChatGPT6 real searches · gpt-6
2026 FHA loan upfront mortgage insurance premium annual MIP rates HUD official conventional PMI cancellation CFPB closing costs loan estimate Google ↗
CFPB closing costs mortgage loan estimate prepaid costs escrow recording appraisal title fees official Google ↗
Fannie Mae conventional loan PMI cancellation 80 percent 78 percent official Google ↗
2026 FHA mortgage insurance premiums upfront 1.75% annual MIP duration HUD official Google ↗
CFPB mortgage closing costs loan estimate prepaid escrow fees conventional FHA PMI cancellation 80% 78% official Google ↗
New Jersey mortgage closing costs transfer tax mansion tax buyer seller 2026 official Google ↗
- What is the FHA Mortgage Insurance Premium structure for forward mortgage loans? · answers.hud.gov
- What is mortgage insurance and how does it work? · consumerfinance.gov
- Single Family Upfront Mortgage Insurance Premium (MIP) | HUD.gov / U.S. Department of Housing and Urban Development (HUD) · hud.gov
- Homebuyer Frequently Asked Questions · yourhome.fanniemae.com
- At what point can I remove the Private Mortgage Insurance (PMI) from my loan? · helpwithmybank.gov
- Background and Summary of the Homeowners Protection Act · federalreserve.gov
- Closing disclosure explainer · consumerfinance.gov
- Loan estimate explainer · consumerfinance.gov
- § 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). · consumerfinance.gov
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
SimulatedReal search
Hover a query to see its counterpart · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
6 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 FHA loan upfront mortgage insurance premium annual MIP rates HUD official conventional PMI cancellation CFPB closing costs loan estimate OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB closing costs mortgage loan estimate prepaid costs escrow recording appraisal title fees official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Fannie Mae conventional loan PMI cancellation 80 percent 78 percent official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
2026 FHA mortgage insurance premiums upfront 1.75% annual MIP duration HUD official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB mortgage closing costs loan estimate prepaid escrow fees conventional FHA PMI cancellation 80% 78% official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
New Jersey mortgage closing costs transfer tax mansion tax buyer seller 2026 official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |