real estate agents/lenders: i was recently approved for a $95k fha loan, but the homes that i’m interested in

range from $ 99k-$ 118k. how flexible is an fha loan and if they are not, could i make up the difference in the form of a cash down payment? what other costs am i looking at with this type of loan during closing? is it possible to purchase hud or foreclosed homes with an fha loan? sorry for the lengthy question, but i’m a 1st time home buyer. thanks.

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