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The down payment is the lower of sale price and appraised value less the loan amount. It is not the same as the borrower's cash outlay if some of that outlay is used for settlement costs. Financing settlement costs does not affect the down payment.
3x4=12. If she borrowed 3 dollars each day for 4 days, then that would multiplying 3 and 4 and would equal 12.
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Step-by-step explanation:
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