 okay then it you know obviously two hundred fifty thousand dollars is the loan amount but if you had a hundred thousand saved that means you're at 350 if you got 200 000 saved you're at 450. and so the bigger the down payment the bigger the house or the bigger you know that you put down on the house so the less the payment or you take out less of a payment that's right than the formula allows yeah yeah um rachel's right you just need to be doing for today your job stack cash and then just