Zillow Advice RSS: Question,FHA and VA Loans,Tacoma- WA http://www.zillow.com/advice/Tacoma-WA/mortgage-fha-and-va-loans/question/ Zillow Advice search results | Zillow Real Estate If I finance UFMIP, do I have to pay a bigger down payment because of LTV limits on an FHA loan? http://www.zillow.com/advice-thread/If-I-finance-UFMIP-do-I-have-to-pay-a-bigger-down-payment-because-of-LTV-limits-on-an-FHA-loan/475943/ I have saved up just enough cash to pay the required 3.5% downpayment on a potential FHA insured loan and I want to use lender credits to pay my closing costs.&nbsp; However, the mortgage insurance premium will have to be finance into the loan, if I do this, would I have to pay extra in terms of down payment since loan to value is larger than 96.5%?&nbsp; Or does the LTV limit only apply to the "base" amount which excludes the UFMIP?<br \><br \>4 replies Sat, 26 Jan 2013 05:21:00 GMT http://www.zillow.com/advice-thread/If-I-finance-UFMIP-do-I-have-to-pay-a-bigger-down-payment-because-of-LTV-limits-on-an-FHA-loan/475943/ 2013-01-26T05:21:00Z