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Well when your 5% down payment is $15K - $20K... and you're wife (the savings Nazi) says, we're buying this summer cause I just got us 3.5%... you do what she says.
I am planning to put down 20% and hope they look the other way on my income. Lol.
By the way, this would be an AWESOME giveaway for next year's big giveaway day.