This allows you to compare two choices for first time buyers with little money down, the FHA 97% program and a Conventional 97% LTV loan. Gross monthly income Monthly debt payments Cash in hand for down payment Cash Available from Gifts 30 Yr Fixed Interest Rate (%) Annual Property Tax + Insurance (%) See: Credit Scoring Compare: Factors affecting credit Information subject to change at any time for any reason Privacy, Licensing and Security, All Rights Reserved