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FHA and VAFHA and the VA act as guarantors for low down payment mortgages. The VA only for veterans. The FHA charges the borrower extra, usually every month, this is known as MIP or Mortgage Insurance Premium. There is a private version too for low down payment loans, called PMI or Private Mortgage Insurance. But this is only available to major, institutional lenders. You typically won't be involved with any of the above with private mortgages.
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