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Home buyers with FHA-backed loans can take out mortgages with minimum down payments of 3.5%.

While the FHA has avoided a taxpayer rescue so far, a study published last week by Mr. Gyourko predicted that the agency will ultimately need a taxpayer bailout of least $50 billion to $100 billion.

20% down- at least when it’s our $$$.

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Lawmakers Near Deal on Raising FHA Loan Limits - WSJ.com