Was going to write a post but Lucky has. It’s more that’ll likely the MIP. Which is probably $150 or so a month. So that’s likely the difference maker. Also lucky’ s point about not being able to remove the MIP is a key piece of info. $100k is really not much a house in most parts of the country (or even condo) without knowing what home price ranges Op is looking at it’s hard to make any recommendations but realistically OP might be better off with a traditional and 20% down. Hard ot know what starter homes go for with no info. Eldengames - what how price range are ou looking at?