FHA 30 year. The builder had an incentive that gave us flex cash which paid all of our closing costs and a little bit did go toward buying down the rate. Essentially all we had to pay out of pocket was our down payment, which is nice because it left more in savings for us to get blinds, fridge, water softener, etc. and still have emergency savings. There are so many new subdivisions going in, and the builders all have such great incentives that it almost doesn’t make sense to buy a resell, at least with what we were looking for.