You are contemplating whether to use the $$25,000$ you have saved to make a down payment on a house, or invest the money in a mutual fund and continue renting longer. The mutual fund has been averaging a return of $8\%$ annually, and the interest rate on the mortgage is $5\%.$ Your monthly house payment and your current rent is the same amount each month. What would you decide to do or do you need additional information to make your decision?