Stop Paying Too Much Cash to Close Your Mortgage

October 15, 2026

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Specialized In Jumbo Loans, Investor Loans, DSCR Loans, Non-QM Financing, Commercial Mortgages, and Tax-Informed Lending Strategies

Published By

David Ghazaryan

Owner / Broker / Banker

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(702) 766-3744

NMLS 1486726

TL;DR

Total Cash-to-Close vs. Down Payment: Your down payment is only one component of your home buying expenses. The total cash-to-close also includes essential closing costs and prepaid items like property taxes and homeowner's insurance.
Key Loan Differences: FHA and Conventional loans feature distinct structures for both mortgage insurance and the amount a seller can contribute to your costs, which directly affects your final out-of-pocket expenses.
Which is Truly Cheaper?: This guide provides a detailed breakdown of every cash expense for buyers, helping to clarify whether an FHA or Conventional loan is the more affordable option for your upfront costs based on specific scenarios.

Read the full blog article here: https://www.iqratemortgages.com/blog/fha-vs-conventional-which-needs-less-cash-in-california

Video Transcript:

A lower down payment loan often requires much more cash. This structure is how I, David Ghazaryan, reduce your costs. The key is seller credits. FHA allows six percent back. This credit can cover nearly all of your closing costs. The FHA loan often requires the least cash from you. My complete analysis is online. All platform links in description.

Read Blog Here: https://www.iqratemortgages.com/blog/fha-vs-conventional-which-needs-less-cash-in-california

David Ghazaryan

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