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this post was submitted on 14 Oct 2024
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Down payment is not $60k. That's only if you want to avoid PMI. That said, putting down less means several hundred more a month in payment.
Also, not sure how you are doing the math to get to a required $200k income. $7k/month is $84k/year. Even with taxes, that is a little over $100k.
It's not necessarily several hundred more for PMI. Mine was around $50/mo until I had it removed a few months ago.