Suppose you want to buy a new house. You currently have $$40,000,$ and you need to have a $15\%$ down payment for the house plus an additional $5\%$ of the loan amount for closing costs. Assume the type of house you want to buy will cost $$600,000,$ and you can earn $9\mathrm{.}2388\%$ on your money. How long will it be before you have enough money for the down payment and closing costs. $($round to the nearest year$)$

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