 and then calculating a down payment off of that amount. So 20% is ideal when you can put that much down. You can avoid things like private mortgage insurance or PMI, but you can put down less. In fact, it could be as low as 3%, depending on the type of loan that you get. So trying to figure out, okay, what's the home value? What is the percentage that I think I'm going to need? And then maybe even talking with a lender about it. The lender, you know,