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New Home purchases: $286,950 (final cost) New Home Financing - Conventional 7% down Term in Years Down Payment APR (including fees) Monthly Payment (without PMI) Monthly Payment (with PMI) Total Interest Paid Monthly PMI (0.75% paid for 1/3 of the loan) Total PMI Paid Total Interest and PMI paid Total Payments Total Cost 15 7% 4.375% New Home Financing - Conventional 20% down Term in Years Down Payment APR (including fees) Monthly Payment (without PMI) Monthly Payment (with PMI) Total Interest Paid Monthly PMI Total PMI Paid Total Interest and PMI paid Total Payments Total Cost 15 20% 4.25% New Home Financing - FHA 3.5% down Term in Years 15 Down Payment 3.5% APR (including fees) 4.50% Monthly Payment (without MIP) Monthly Payment (with MIP) Total Interest Paid Monthly MIP (1% paid for all of the loan) Total MIP Paid Total Interest and MIP paid Total Payments Total Cost 30 7% 5.25% 30 20% 5.00% 30 3.5% 5.75% New Home purchases: $286,950 (final cost) New Home Financing - Conventional 7% down Term in Years Down Payment APR (including fees) Monthly Payment (without PMI) Monthly Payment (with PMI) Total Interest Paid Monthly PMI (0.75% paid for 1/3 of the loan) Total PMI Paid Total Interest and PMI paid Total Payments Total Cost 15 7% 4.375% New Home Financing - Conventional 20% down Term in Years Down Payment APR (including fees) Monthly Payment (without PMI) Monthly Payment (with PMI) Total Interest Paid Monthly PMI Total PMI Paid Total Interest and PMI paid Total Payments Total Cost 15 20% 4.25% New Home Financing - FHA 3.5% down Term in Years 15 Down Payment 3.5% APR (including fees) 4.50% Monthly Payment (without MIP) Monthly Payment (with MIP) Total Interest Paid Monthly MIP (1% paid for all of the loan) Total MIP Paid Total Interest and MIP paid Total Payments Total Cost 30 7% 5.25% 30 20% 5.00% 30 3.5% 5.75%

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