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If you don't want to put any more than 3.5% down, then the appraisal needs to at least come in at the purchase price. On a puchase, FHA loan amounts go to 96.5% of the lower of the purchase price or appraised value, before the UFMIP is rolled in. In your example, it'd need to appraise at $245k if you just want to put down $8,575 (3.5% of $245k).