 okay then you know obviously $250,000 is the loan amount but if you had a hundred thousand saved that means you're at $350,000 if you got $200,000 saved you're at $450,000 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 a month or you take out less of a payment than the formula allows but Rachel's right you just need to be doing for today your job stack cash and then just