A couple’s offer was accepted out of 12 other offers, which was surprising because they were only putting 3.5% down with an FHA insured loan. If the appraisal comes in $15,000 less than the agreed...

A couple’s offer was accepted out of 12 other offers, which was surprising because they were only putting 3.5% down with an FHA insured loan. If the appraisal comes in $15,000 less than the agreed amount, which of the following would be acceptable to the FHA?

Giving the improvements more value and adding money to the appraisal

Making sure the loan is not insured because of the lower appraisal

Allowing the buyers time to find a property closer to their approved loan amount

Paying the $15,000 difference between contract and appraisal value in escrow