SD,
What is your buyer thinking ??
The one that is getting a FHA loan but has a down payment.

Do they have 20% to put down and decent credit to qualify for a good conventional loan ?

IF so, do they understand that they are probably getting a royal screwing by getting a FHA loan ??

Did their mortgage salesperson explain the real facts of the scenario or do they even understand what the better loan is for the buyer ??

Sounds like a complete waste of thousands of dollars. HLS