Real ChatGPT answer · index seedQ4TQ3PmRzx0completeFinance and banking · mortgagescommercial

Can you compare the total out of pocket costs at closing for a conventional loan versus a USDA zero down payment loan?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Can you compare the total out of pocket costs at closing for a conventional loan versus a USDA zero down payment loan?
2 real searches · 1 real-search pass
2026 USDA single family housing guaranteed loan upfront guarantee fee annual fee closing costs financed officialGoogle ↗
OBSERVEDOther / navigational
Fannie Mae conventional mortgage down payment closing costs seller concessions officialGoogle ↗
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)
Short factOther / navigational50%Comparison50%ConsequenceReasonDefinitionInstructionYes / no

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 USDA single family housing guaranteed loan upfront guarantee fee annual fee closing costs financed official Google ↗
Fannie Mae conventional mortgage down payment closing costs seller concessions official Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
2026 USDA single family housing guaranteed loan upfront guarantee fee annual fee closing costs financed official
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1
Fannie Mae conventional mortgage down payment closing costs seller concessions official
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1