Thank you for your answer. Yes It will be my primary residence, not an investment property. What would be the chepest way to pucha

Please do not go ahead and do an FHA loan. The cheapest and easiest way would be to do a Conventional loan with a 20% gift of equity and sellers assist. I grew up in Langhorne right across from Styers Orchards and do a lot of business in the area. If you would like to set up a meeting I could meet with you and your Mom and assist with putting together the sales contract. I also have conections with all of the settlement companies in the area. Please give me a call or email me at any time. Mark Wilkins 215-378-9272 mwilkins@capitalfmc.com