To bolster its increasingly shaky financial condition, the U.S. Federal Housing Administration plans to require a bigger down payment from some borrowers, increase the fee for mortgage insurance and restrict the amount sellers can contribute to closing costs. For many buyers, the down payment would continue to be as little as 3.5%, but borrowers with a low credit score would be required to pay at least 10%. The insurance premium paid at closing would rise from 1.75% to 2.25% of the loan value.

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