Do conventional loans really allow lower down payments than FHA loans now, and what are the hidden PMI costs for recent grads?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Do conventional loans really allow lower down payments than FHA loans now, and what are the hidden PMI costs for recent grads?
3 real searches · 1 real-search pass
2026 conventional 3% down mortgage programs Fannie Mae HomeReady standard 97 Freddie Mac Home Possible officialGoogle ↗
OBSERVEDComparison
2026 FHA minimum down payment 3.5% mortgage insurance upfront annual MIP official HUDGoogle ↗
OBSERVEDReason
2026 conventional private mortgage insurance cancellation rules Homeowners Protection Act CFPB PMI costs credit score LTVGoogle ↗
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2026 conventional 3% down mortgage programs Fannie Mae HomeReady standard 97 Freddie Mac Home Possible official Google ↗
2026 FHA minimum down payment 3.5% mortgage insurance upfront annual MIP official HUD Google ↗
2026 conventional private mortgage insurance cancellation rules Homeowners Protection Act CFPB PMI costs credit score LTV Google ↗
- HomeReady Low Down Payment Mortgage · yourhome.fanniemae.com
- Home Possible® · sf.freddiemac.com
- FHA loans · consumerfinance.gov
- Homebuyer Frequently Asked Questions · yourhome.fanniemae.com
- What is mortgage insurance and how does it work? · consumerfinance.gov
- 12 U.S.C. § 4902: Termination of private mortgage insurance · uscode.house.gov
- Background and Summary of the Homeowners Protection Act · federalreserve.gov
- Single Family Upfront Mortgage Insurance Premium (MIP) | HUD.gov / U.S. Department of Housing and Urban Development (HUD) · hud.gov
- FHA Mortgage Insurance (MIP): How It Works and What It Costs · wellsfargo.com
- HomeReady Mortgage · singlefamily.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 conventional 3% down mortgage programs Fannie Mae HomeReady standard 97 Freddie Mac Home Possible official OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
2026 FHA minimum down payment 3.5% mortgage insurance upfront annual MIP official HUD OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
2026 conventional private mortgage insurance cancellation rules Homeowners Protection Act CFPB PMI costs credit score LTV OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |