Maggie McBride is currently renting an apartment for $750 per month and paying $265 annually for renter's insurance. She just found a small townhouse she can buy for $175,000. She has enough cash for a $10,000 down payment and $3,000 in closing costs. Maggie estimated the following costs as a percentage of the home's price: property taxes, 2.5%; homeowner's insurance, 0.5%; and maintenance, 0.7%. She is in the 25% tax bracket. Use 3% as the "Annual Appreciation of the Home." Maggie's security deposit is equal to one month's rent of $750. Also 2% rate on her savings and a 4% mortgage interest rate.