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One Months Reserve: 1290. While FHA does not require you have reserves when purchasing either a single family home or condominium, if you are purchasing a duplex or multi-family twothree months will typically be required. Home Condition. The home must meet FHAs minimum standards for the safety, quality and condition. Any defects found during the home inspection or appraisal which fall outside of FHAs standards will need to be repaired prior to closing.
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