Could a USDA loan be more expensive in the long run than an FHA loan with a three point five percent down payment when you include all insurance and guarantee fees?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Could a USDA loan be more expensive in the long run than an FHA loan with a three point five percent down payment when you include all insurance and guarantee fees?
2 real searches · 1 real-search pass
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 USDA single family housing guaranteed loan upfront guarantee fee annual fee 1% 0.35% official Google ↗
HUD FHA annual mortgage insurance premium 0.55% upfront 1.75% 2026 official Google ↗
- Loan Program Overview 101 · rd.usda.gov
- Single Family Housing Guaranteed Loan Program · rd.usda.gov
- Single Family Upfront Premium, Late, and Interest Charges | 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
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 USDA single family housing guaranteed loan upfront guarantee fee annual fee 1% 0.35% official OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
HUD FHA annual mortgage insurance premium 0.55% upfront 1.75% 2026 official OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 |