What are the closing cost differences between FHA and conventional loans for a first-time homebuyer purchasing a home today?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the closing cost differences between FHA and conventional loans for a first-time homebuyer purchasing a home today?
2 real searches · 1 real-search pass
2026 FHA upfront mortgage insurance premium 1.75% annual MIP HUD mortgagee letter 2026 conventional seller concession limits Fannie Mae 2026 closing costsGoogle ↗
OBSERVEDReason
CFPB closing costs FHA conventional loan seller concessions mortgage insurance first time homebuyerGoogle ↗
OBSERVEDComparison
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 FHA upfront mortgage insurance premium 1.75% annual MIP HUD mortgagee letter 2026 conventional seller concession limits Fannie Mae 2026 closing costs Google ↗
CFPB closing costs FHA conventional loan seller concessions mortgage insurance first time homebuyer Google ↗
- Interested Party Contributions (IPCs) · selling-guide.fanniemae.com
- FHA Single Family Housing Policy Handbook · hud.gov
- What is mortgage insurance and how does it work? · consumerfinance.gov
- Single Family Mortgage Insurance Premiums | HUD.gov / U.S. Department of Housing and Urban Development (HUD) · hud.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 FHA upfront mortgage insurance premium 1.75% annual MIP HUD mortgagee letter 2026 conventional seller concession limits Fannie Mae 2026 closing costs OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB closing costs FHA conventional loan seller concessions mortgage insurance first time homebuyer OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |