It appears this questioned got answered per your revised question with more detail;"usually 95%."
HUD/FHA has the final say, but the guideline is a minimum of 95%.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347
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