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USDA recently cancelled then revamped your finance program so that it is once again available. The biggest positive is that you may finance 100% of your property PLUS your settlement costs virtually causeing this to be loan under $1,000 down as long as your pre-construction appraisal comes back at equal or higher than your total acquisition. The drawback is 2.25% of your respective high closing costs can be a funding fee that travels to the U.S Government, not toward any equity in your house. It basically covers the governments insurance coverage in your loan.
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