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How much would you have to put down on a house costing $190,000 if the house had an appraised value of $185,000 and the lender

How much would you have to put down on a house costing $190,000 if the house had an appraised value of $185,000 and the lender required an 75% loan-to-value ratio?

a. 38000

b. 42000

c. 33000

d. 40000

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