QUESTION 18 The costs of car ownership include O a. the down payment. O b.financing costs. C. oppoitunity and liquidity costs O da, and be O e.a., b., and c. MS QUESTION 19 Your PITI. a calculation lenders use to determine how much of a mortgage you can afford. includes all the following housing costs EXCEPT O a. taxes. b.principal C. interest. d. maintenance. O e insurance