If the appraised value is $250,000, and the parties agree on a clean price of $245,000, what is the difference in the minimum required upfront cash for an FHA loan between a clean sale, and a sale price of $248,000 with $3,000 in seller concessions? Assume total closing costs are $5,000. The borrower FICO is 640.

	$ 2895 less cash needed using seller concessions
	there is no difference in the cash needed using seller concessions
	$ 1895 less cash needed using seller concessions
	$ 3895 less cash needed using seller concessions
	$ 895 less cash needed using seller concessions