Is FHA my best option?I have good credit (FICO 780+) but do not have a down payment. I read that you can put your first time home buyer credit toward the down payment with an FHA loan. I'm looking at spending ~$170k. With FHA I would have an MIP.My other option is an 80/20 (or 100% financing... if that even exists anymore). With an 80/20 I would be paying more in interest (2 loans), and with 100% I would have PMI.What's the best choice for me?January 06 2010 - Bridle Trails11YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.