We are first time home buyers in our late fifties using our retirement savings, what mortgage options have the lowest closing costs?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
We are first time home buyers in our late fifties using our retirement savings, what mortgage options have the lowest closing costs?
2 real searches · 1 real-search pass
2026 mortgage lowest closing costs lender credits no closing cost mortgage CFPB seller concessions FHA VA USDA closing costs first time homebuyer assistance AlabamaGoogle ↗
OBSERVEDComparison
Fannie Mae retirement assets qualifying income mortgage retirement account distributions asset depletion guidelines 2026Google ↗
OBSERVEDReason
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.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
2026 mortgage lowest closing costs lender credits no closing cost mortgage CFPB seller concessions FHA VA USDA closing costs first time homebuyer assistance Alabama Google ↗
Fannie Mae retirement assets qualifying income mortgage retirement account distributions asset depletion guidelines 2026 Google ↗
- How should I use lender credits and points (also called discount points)? · consumerfinance.gov
- What fees or charges are paid when closing on a mortgage and who pays them? · consumerfinance.gov
- Home · buyingmyalabamahome.ahfa.com
- Alabama Housing Finance Authority Lending Library > Housing Finance Agency Programs > Alabama > Alabama Housing Finance Authority · kc.fcmpartners.com
- FAQ: Top Trending Selling FAQs · singlefamily.fanniemae.com
- Retirement Accounts · selling-guide.fanniemae.com
- Employment Related Assets as Qualifying Income · selling-guide.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 mortgage lowest closing costs lender credits no closing cost mortgage CFPB seller concessions FHA VA USDA closing costs first time homebuyer assistance Alabama OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
Fannie Mae retirement assets qualifying income mortgage retirement account distributions asset depletion guidelines 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |