One months reserve is equivalent to one months mortgage payment (principal, interest, taxes, insurance and mortgage insurance). Assume a 200,000 mortgage with a rate of 3. 875 (4. 275 APR). The following numbers are being used simply for this example; this does not reflect your mortgage scenario. Principle Interest: 940 Tax: 200 Insurance: 50 Mortgage Insurance: 100 Total Payment: 1290.
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