Are there different kind of FHA loans or are they all the same? I am looking for a zero down.

You can do a Rural Development loan, that would be a 100% financing option. Don't let the name Rural trick you, the property does not have to be rural.State Housing is another option is through FHA, and there is a forgivable second mortgage that can get you close to 100%

FHA is 3.5% down with a PMI of .9 % per month added on to the payment. In certian areas the USDA Rural loan program is available for up to 102% financing, and for closing costs you can use up to 6% seller consessions to have a no out of pocket loan for both FHA and USDA in most cases. If you are a veteran VA is also a great 100% financing option for you with alot of the costs for closing going to the seller on VA loans. Hope this helps......Carl Ashton Please visit www.premiermortgagestore.com for more information