Real ChatGPT answer · index seedHFcnXa1ZMnEcompleteAutomotive · auto financing and leasinginformational
What kind of down payment do I need if my credit score dropped into the fair range after some medical bills?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What kind of down payment do I need if my credit score dropped into the fair range after some medical bills?
1 real search · 1 real-search pass
2026 mortgage minimum credit score FHA 3.5% down conventional 3% official HUD Fannie Mae medical collections mortgage creditGoogle ↗
OBSERVEDShort fact
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 (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
2026 mortgage minimum credit score FHA 3.5% down conventional 3% official HUD Fannie Mae medical collections mortgage credit Google ↗
- What is the minimum down payment requirement for FHA? · answers.hud.gov
- HomeReady Mortgage · singlefamily.fanniemae.com