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Does this source establish FHA 1–4-unit owner-occupied rules?

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Northern Arizona University

No. The CFPB Loan Estimate explainer is mortgage-cost disclosure guidance, not the FHA eligibility or occupancy rulebook. HUD states that FHA home-purchase loans are available for properties with one to four units, and HUD Handbook 4000.1 provides FHA program and underwriting requirements. Ask an FHA-approved lender to apply those rules to the actual property, borrower's occupancy plan, and current loan file.

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