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Our first house we went through HUD and only had to pay the closing costs. I was 23 and DH was 28 at the time and it worked out well for us. The house was a fixer-upper and we worked on it for years. We sold it and used the equity to put the down payment on the cabin and 113 acres we have now.

It was hard when we were young just to come up with the money for the closing costs but we did it.

Stacy in NY
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