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USDA recently cancelled then revamped their finance program which makes it once again available. The biggest positive is you can finance 100% of your house PLUS your settlement costs virtually thus, making this loan under $1,000 down providing your pre-construction appraisal comes home at equal or greater than your total acquisition. The drawback is that 2.25% of your respective closing costs is a funding fee that would go to the U.S Government, not toward any equity in the home. It basically covers the governments insurance policy on your own loan.
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