You're basically copping a house for $207K. You're gonna front 10%, which is like $20.7K, so you still owe $186.3K. This is gonna be your loan. If the bank is charging you 6% interest, you gotta drop about $1.12K every month for 30 years to pay it off. But if the bank decides to be a bit extra and charge you 7%, then you're gonna be out of pocket around $1.24K every month for the same 30 years. It's like buying an iPhone, but way bigger and you can't upgrade every year.