You have an income of $70,000 per year. You are applying for a 4.5%, 80% LTV, 30-year FRM. Property Taxes are 2.75% of the house value, and insurance is 0.85% of the house value. Your LTO are $525 per month. You will be qualified on a 43% back end ratio. What is the maximum house you can afford assuming you have enough saved to pay the costs at closing? If closing costs are 3.15% of the house value, how much money will you need to bring to closing?