Based on attached Bozo doc ,

For all loan options, the bank will loan up to 90% of the price of the house.Assume all fees are for transactions costs and hence not tax-deductible.Ignore mortgage insurance.

Bozo tells you he is unsure whether, under the 2018 income tax regime, he will have sufficient deductible expenses to warrant itemizing.Hence, he would like advice about which loan program to use and how much to borrow under under conditions (1) where he itemizes his deductions and (2) where he takes the standard deduction.