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308k and an 8k credit towards closing and escrow
FHA is 3.5 down
borrow 5 % and charge a point in half, pay them 1.5 percent, and then the money is put on the 10-year term.
6.5 and then the second long at 8.5 at a 10-year rate
the second loan would be 15k and then in order to refinance you would have to fully pay off the down payment.
170 bucks a month on the second loan.
fha is going to spit out the most.
only fha you can borrow the downpayment.
do the 308 for the closing and the escro (insurance etc)
then borrow the 3.5 % down payment
But in order to borrow the downpayment we would have to pay 5 percent down instead of the 3.5%
(it would be a separate loan that we would have to pay on.)
-will not be able to refinance
-it will be 2% higher than what the rates are currently
-10 year rate.
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