Calculate the NPV (Net Present Value) for buying a home. A home costs $150,000. During the purchase, you will need to make a down payment of 5% and pay 1% in closing costs. The rest of the amount will be loaned from a bank at a nominal interest rate of 4.25% for a period of 30 years (remember that banks compound on a monthly basis). Utility costs are $110 per month, property taxes are 2.5% per year, insurance costs are $200 per year and homeowner's association fees (HOA) are $100 per month. You will also incur repair- and-replace expenses of $2500 per year (e.g., refrigerator stops working, replace lights etc.)