GustanCho is correct. For a 1-4 unit primary residence you will need 3.5%. The loan limit according to HUD.GOV for 2-unit properties in Orleans County is $377,075 and for a 3-unit property it is $455,800. Hope this helps! Please reach out to me, Mike Gracz on 630-659-7644 or email me at firstname.lastname@example.org. I am an expert in FHA 203K Loans.