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Cindy, will be no need to fear. In . This piece of legislation was enacted to safeguard you made by this type of situation. Placing an attempt. Each property has a listing price and you can place an offer at that amount, above it, or below the problem. However, beware that if you produce an amount higher than the listing price and a great FHA loan, you pay the difference as an out of pocket costs. For example: If the house is appraised and listed at $100,000 and also you offer $11