This calculator figures monthly recreational vehicle loan payments. Only two other entities, the USDA and Navy Federal, allow the purchase of a home without a down payment. Home Buying. In addition, larger down payments usually lead to qualification for lower rates. Down Payment. Michelle Lerner Down Payment Assistance Programs—Local county or city governments, local housing authorities, and charitable foundations sometimes provide grants to first-time homebuyers. Down Payment. Mortgage Down Payment A mortgage down payment is the amount of money you pay upfront when purchasing a home. Connect with a lending specialist for details. A very rough estimate for the amount needed to cover closing costs is 3% of the purchase price, which is set as the default for the calculator. Use this mortgage payment calculator to better understand how your mortgage and monthly payments might look according to changes in the following inputs: Home Price. For more information about or to do calculations involving FHA loans, please visit the FHA Loan Calculator. Your credit score is too low to qualify for a mortgage. (Note: We offer a wide range of loan options beyond the scope of the calculator, which is designed to provide results for the most popular loan types.) The only caveat is that the home-buyer is only given 120 days to spend the withdrawn funds, or else they are liable for paying the penalty. This is because big down payments lower risk by protecting them against the various factors that might reduce the value of the purchased home. However, there is an exclusion that allows a person to withdraw $10,000 from both types of IRAs (including earnings for a Roth IRA) without penalty or tax for the purchase, repair, or remodeling of a first home. Having the savings in an interest-bearing account such as a savings account or in Certificates of Deposit (CDs) can provide the opportunity to earn some interest. Free auto loan calculator to determine monthly payment as well as the total cost of an auto loan, while accounting for sales tax, registration, fees, trade-in value, and more. For conventional loans, paying at least a 20% down payment when purchasing a home removes the need for Private Mortgage Insurance (PMI) payments, which are sizable monthly fees that add up over time. As a general rule, you should pay 20 percent of the price of the vehicle as a down payment. If the home price and down payment percentages are known, use the calculator below to calculate an estimate for an amount needed in cash available for upfront costs. In the case of a recession, the home value will likely drop, and with it, the relative return on investment of the larger down payment. Mortgage Type Loan Limits: We use mortgage loan limits down to the county level to identify if a user qualifies for an FHA or Conforming loan. ... You can use this comparison chart to calculate the interest costs & loan payments for up to 5 loans at the same time. First we look at the loan limits for different mortgage However, taking out a loan, especially a large one, can affect qualification for or ability to repay a mortgage. When you pay extra on your principal balance, you reduce the amount of your loan and save money on interest. Bank of America offers low down payment loans and programs to help with down payment and closing costs, including our 3% down, no mortgage insurance Affordable Loan Solution® mortgage and America’s Home Grant®, which provides eligible borrowers up to $7,500 for nonrecurring closing costs. First input the price of the vehicle, along with your down payment, trade-in allowance, interest rate, and the total number of monthly payments. Generally, the first mortgage is set at 80% of the home's value and the second loan is for 10%. Our auto loan payment calculator can help estimate the monthly car payments of your next vehicle. This calculator is for general education purposes only and is not an illustration of current Navy Federal products and offers. Conventional loans, which tend to be the least restrictive of all loan types, normally require a down payment of 20% but some lenders may go lower, such as 10%, 5%, or 3% at the very least. smallest proportion of the median income. Your feedback is very important to us. Gift Funds—FHA loans allow for the down payment to be a gift from a friend or family member, and the entire down payment can be considered a gift as long as there is a gift letter stating that it is a gift that does not require repayment. IRA—The principal contributed to a Roth IRA (individual retirement account) can be withdrawn without penalty or tax. Includes taxes, insurance, PMI and the latest mortgage rates. However, home-buyers must pay an upfront mortgage insurance premium at closing that is worth 1.75% of the loan amount, on top of the down payment. To help you see current market conditions and find a local lender current current Boydton RV loan rates and personal loan rates personal loan rates are published below the calculator. One of the risks associated with making a larger down payment is the possibility of a recession. Methodology A mortgage amortization calculator estimates how much of a monthly mortgage payment can go toward principal and interest over the life of a loan. To find the The trade-in value of your current car is $10,000, and right now, you only have enough saved to be able to make a down payment of $2,000, which means that you will be financing the remaining $20,000. ​If you could change one thing about ​this page what would it be?​, Bank of America® Travel Rewards Visa® Credit Card Review, Capital One® Quicksilver® Cash Rewards Credit Card Review, US Census Bureau 2017 American Community Survey, National Association of Insurance Commissioners, You do not qualify for this mortgage type -. monthly payments and closing costs. State-wide programs can be found on the HUD website. Piggyback Loan—In situations where the home-buyer doesn't have sufficient funds to make the required down payment for a home purchase, they can try to split their mortgage into two loans. National Association of Insurance Commissioners, government websites, SmartAsset Use SmartAssets mortgage calculator to estimate your monthly mortgage payment, including the principal and interest, taxes, homeowners insurance and private mortgage insurance (PMI). Zoom between states and the national map to see the top markets in each region. In addition, borrowers risk losing their down payment if they can't make payments on a home and end up in foreclosure. You'll easily see how these factors may affect your monthly payment. Use the Upfront Cash Availabile If the amount of upfront cash available and down payment percentages are known, use the calculator below to calculate an estimate for an affordable home price. Mortgage Type Loan Limits: We use mortgage loan limits down to the county level to identify if a user qualifies for an FHA or Conforming loan. In other words, the purchase price of a house should equal the total amount of the mortgage loan and the down payment. The most affordable cities were those in which total housing costs on an average house accounted for the We also show you how different mortgage types and down payment percentages impact your Bankrate’s mortgage calculator gives you a monthly payment estimate after you input the home price, your down payment, the interest rate and length of the loan term. Your minimum down payment depends on the purchase price of your property.. Use our free mortgage calculator to easily estimate your monthly mortgage payments. Down payment size is also important to lenders; generally, lenders prefer larger down payments. The remaining 10% comes from the home-buyer's savings as a down payment. As SmartAsset’s home buying expert, award-winning writer Michele Lerner brings more than two decades of experience in real estate. Evaluating the Results From the Mortgage Down Payment Calculator Once you have put in your information for the house down payment calculator you will be able to see how much you need to save in each scenario. The PMI is normally paid as a monthly fee added to the mortgage until the balance of the loan falls below 80 or 78% of the home purchase price. Michele is the author of two books about home buying: “HOMEBUYING: Tough Times, First Time, Any Time,” published by Capitol Books, and “New Home 101: Your Guide to Buying and Building a New Home.” Michele’s work has appeared in The Washington Post, Realtor.com, MSN and National Real Estate Investor magazine. In the U.S., most conventional loans adhere to guidelines and requirements set by Freddie Mac and Fannie Mae, which are two government-sponsored corporations that purchase loans from lenders. Also, in the U.S., the Department of Veterans Affairs (VA) has the ability to subsidize VA loans, which do not require a down payment. It will help you determine what size down payment makes more sense for … With minimum down payments commonly as low as 3%, it's easier than ever to put just a little money down. Specifically, we found the total cost over five years of these four expenses—closing costs, taxes, insurance If the home price and amount of upfront cash available are known, use the calculator below to calculate an estimate for a down payment percentage. Mortgage Term: We assume a 30-year fixed mortgage term. qualify for in your location. Generally, there are a lot of different opportunity costs involved with the funds being used for a down payment; the funds used to make a down payment can't be used to make home improvements to raise the value of the home, payoff high-interest debt, saved for retirement, saved for an emergency fund, or invested for a chance at a higher return. You can adjust the home price, down payment and mortgage terms to see how your monthly payment will change. An FHA loan is a government-backed conforming loan insured by the Federal Housing Administration. This loan will allow a family member, charity, or grant to cover to give a financial gift that can cover 100% of the 3.5% down payment amount. and mortgage payments—for the average home in every city in the U.S. with a population greater than 200,000. Making a smaller down payment also has its benefits, the most obvious being a smaller amount due at closing. Down payment assistance is usually only reserved for need-based applicants purchasing a primary residence. Using the blue “Your Down” calculator in the center, select your credit score, select purchase or refinance, add in the home price, followed by your down payment. In addition, monthly mortgage insurance payments last for the life of the loan unless refinanced to a conventional loan. Use our free mortgage calculator to quickly estimate what your new home will cost. Other loan adjustment options including price, down payment, home location, credit score, term & ARM options are available for selection in the filters area at the top of the table. However, they do allow for loans with a down payment as low as 3.5% of the home’s purchase price. The three calculations below offer different ways to help calculate an estimated down payment. Thank you for your answer! Basic down-payment calculator: quickly calculates down-payment ranges for common down-payment amounts & states what percent of a purchase a specified down-payment represents. If your purchase price is under $500,000, your minimum down payment is 5% of the purchase price. This interactive map allows If the down payment is lower than 20%, borrowers will be asked to purchase Private Mortgage Insurance (PMI) to protect the mortgage lenders. For those who must finance their vehicles, taking a few months to clean up any credit problems before applying for the loan is advisable. We are working hard to improve our product and could use your help! Estimated tax title and fees are $1000, Monthly payment is $405, Term Length is 72 months, and APR is 8% Shop Cars By Price Under $10,000 Under $15,000 Under $20,000 A mortgage down payment is the single biggest roadblock for most home buyers. These loans have lower down payment options for home buyers: Fixed-rate conventional loans usually require a down payment of at least 3%; FHA loans have a minimum down payment of 3.5% whether you're getting a fixed or adjustable rate; VA loans are available with no down payment for veterans, active-duty military personnel and their families As an example, for a $250,000 home, a down payment of 3.5% is $8,750, while 20% is $50,000. There’s a lot more to home affordability than the price a homebuyer agrees to pay the seller. This is also called an 80-10-10 loan. Most plans only give five years to repay the loan, and borrowing a large amount can result in substantial payments. types in your location, then we take your target home value and identify what mortgage types your home value would Home-buyers may use piggyback mortgages to avoid PMI or jumbo financing. affordability. estate taxes, homeowners insurance and mortgage rates in our analysis. This loan will require repayment with interest, but there will be no tax or penalties on the loan amount. Get a great mortgage with just 5% down To help low-income buyers in the U.S., the Department of Housing and Urban Development (HUD) requires all Federal Housing Administration (FHA) loans to provide insurance to primary residence home-buyers so that they can purchase a home with a down payment as low as 3.5% and for terms as long as 30 years. The mortgage payment calculator can help you decide what the best down payment … Spouses can each individually withdraw $10,000 from their respective IRAs in order to pay $20,000 towards their down payment. When purchasing a home, after a down payment is paid by a home-buyer, any remaining balance will be amortized as a mortgage loan that must be fulfilled by the buyer. Click on CALCULATE, and you’ll receive an estimated amount for your monthly payment, as well as the total amount you’ll need to borrow from a lender. Paying a down payment of 20% or more, if possible, will generally result in the lowest amount paid long-term because of the lower amount paid on interest for borrowed money. For more information about or to do calculations involving savings, please visit the Savings Calculator. *For this study we looked at all U.S. cities that have a population greater than 200,000 with available Although placing down payment savings in higher risk investments such as stocks or bonds can be more profitable, it is also riskier. Because you’ve paid for part of the car with it, it lowers the amount of money you need to borrow and thus lowers your monthly loan payment. It is important to remember that a down payment only makes up one upfront payment during a home purchase, even though it is often the most substantial. The down payment is around 3.5% of the purchase cost, and mortgage insurance is included in the monthly mortgage payment. We give you the 3 typical ones, 3.5% (this is the minimum FHA approved amount), 5% this is for a Conforming mortgage, and 20%. A down payment, typically expressed as a percentage, is calculated as the dollar value of the down payment divided by the home price. Break down payments in an easy to use amortization schedule with PMI, homeowner's insurance, HOA fees, taxes, current loan rates and more. Your mortgage payment is defined as your principal and interest payment in this mortgage payoff calculator. Grants can come in the form of money applied to a down payment or an interest-free loan meant to supplement a main mortgage. Down Payment. Also, scroll over any city to The National Association of Real Estate Editors (NAREE) honored Michele in 2016 and 2017 with the award for Best Mortgage or Financial Real Estate Story in a Daily Newspaper. Closing costs: We have built local datasets so we can calculate exactly what closing costs will be in your neighborhood. you to see the most affordable big cities in the country and in each state. Down Payment Calculator The three calculations below offer different ways to help calculate an estimated down payment. payment that you could pay. There are also many other costs that may be involved such as upfront points of the loan, insurance, lender's title insurance, inspection fee, appraisal fee, and a survey fee. The bank you are working with has offered you a fixed interest rate of … She is passionate about helping buyers through the process of becoming homeowners. A down payment is the upfront portion of a payment that is often required to finalize the purchase of items that are typically more expensive, such as a home or a car. geography based on the target home price that you choose. Often, a down payment for a home is expressed as a percentage of the purchase price. If you want to go back and see how the monthly payment is be affected if the loan duration becomes 72 months, click … If coming up with a down payment is a struggle, an alternative to buying a house with no money down is an FHA loan. As a result, down payments act as an incentive for borrowers to make their mortgage payments, which reduces the risk of default. This down payment calculator provides customized information based on the information you provide. Also, learn more about auto loans, experiment with other car related calculators, or explore other calculators covering finance, math, fitness, health, and many more. Keep in mind that you may pay for other costs in your monthly payment, such as homeowners’ insurance, property taxes, and private mortgage insurance (PMI). Use this FHA mortgage calculator to get an estimate. Every car shopper is unique and so are the many deals on new cars. For more information about or to do calculations involving VA mortgages, please visit the VA Mortgage Calculator. The down payment is the amount you will pay upfront to obtain a mortgage.. What’s my minimum down payment? Closing costs: We have built local datasets so we can calculate exactly what closing costs will be in your neighborhood. Enter the detail about your down payment, cost of car, loan term and more. Down payment ($) Annual interest rate (%) Term of loan (months) Use our car payment calculator to assess the amount of your monthly car payment. Grants may need to be repaid if the home is sold. The funds can also legally be used to purchase a home for a spouse, parents, children, or grandchildren. Add both amounts together which gives you total of $35,000. The second amount is 10% of the remaining balance of $100,000, which is equal to $10,000. Get started with our auto payment calculator and get an estimate of your monthly car payment in an instant. Mortgage data: We use live mortgage data to calculate your mortgage payment. RV Loan Calculator. In contrast, contributions from a traditional IRA will be subject to regular income tax as well as a 10% penalty if the contributions are withdrawn prior to the age of 59 ½. But, it also makes some assumptions about mortgage insurance and other costs, which can be significant. The Installment Loan Calculator tells us that for a loan amount of $28,000 for 60 months with an interest rate of 3.5%, the monthly payment will be $509.37. The first amount is 5% of the first $500,000, which is equal to $25,000. A piggyback mortgage is when two separate loans are taken out for the same home. Still, a large downpayment will minimize the loan and keep monthly payments down. Sources: Bankrate, Do your research and plug in all the variables. Weigh the pros and cons of putting more, less or no money down on your mortgage. So do you have enough money? learn about housing affordability in that market. The $10,000 limit is a lifetime limit. Mortgage data: We use live mortgage data to calculate your mortgage payment. Mortgage Term: We assume a 30-year fixed mortgage term. This calculator will calculate the down payment dollar amount from a percentage from a new or used vehicle's purchase price, and compute the resulting loan amount, monthly installment, and interest costs. The total sale price of a property agreed upon between buyer and seller. FHA loans have lower credit and down payment requirements for qualified homebuyers. How helpful was this page in answering your question? You can calculate your minimum down payment by adding 2 amounts. Your down payment options are determined by your credit score, location, and mortgage value. We then took that five-year cost as a proportion of median household income in each city to determine Use this calculator to figure out the down payment on a car. Savings—Most home-buyers save up for their down payments by setting aside savings until they reach their desired target, whether it's 20% or 3.5%. If the amount of upfront cash available and down payment percentages are known, use the calculator below to calculate an estimate for an affordable home price. data. The second monthly payment budget calculator shows how expensive of a RV you can buy given a monthly loan payment. The length of time you plan to be in your home and the amount of your loan are factors. For instance, the minimum required down payment for an FHA loan is only 3.5% of the purchase price. Down Payment Calculator. US Census Bureau 2017 American Community Survey, 401(k)—It is possible to take out a loan for either up to $50,000, or half the value of the 401(k) account, whichever is less. Lenders offing a FHA loan are also restricted in the fees they are allowed to charge you. Our down payment calculator tool helps you understand what your minimum potential down payment could be in your Interest and principal will be paid back to the 401(k) owner. This calculator can also let … This calculator includes PMI and automatically subtracts closing costs (which typically ranges between 2% to 5% of a home's purchase price) from the downpayment amount. To recalculate and see results try lowering your purchase price, increasing your down payment, or entering a different ZIP code. The FHA does not offer a no-money down loan. Once we identify the mortgage types that qualify, we find the minimum possible down SmartAsset created an affordability index to locate the most affordable housing markets in the country. For more information about or to do calculations involving CDs, please visit the CD Calculator. Please update it to a better credit score. The amount of money given to the seller by a buyer upon purchase. A down payment is the portion of the car’s price that you pay upfront. most affordable places to buy a home, SmartAsset took a holistic approach, considering closing costs, real Estimate your monthly payments with Cars.com's car loan calculator and see how factors like loan term, down payment and interest rate affect payments. Applicants usually still need to have decent credit and documented income. Index to locate the most affordable housing markets in the fees they down payment calculator to... So we can calculate exactly what closing costs will be in your home and the national map see. Prefer larger down payments usually lead to qualification for lower rates balance, you reduce the value the. Costs on an average house accounted for the life of a home the information you provide is only %!, insurance, PMI and the down payment options are determined by credit!, can affect qualification for or ability to repay the loan unless refinanced to a conventional loan cars! Balance of $ 35,000 purchase of a property agreed upon between buyer and seller see how your monthly mortgage.. Purchase price balance, you should pay 20 percent of the purchase price is under $ 500,000, is! The seller by a buyer upon purchase cities in the fees they are allowed charge! Payment that you could pay from the home-buyer 's savings as a percentage of the risks associated with making smaller. We then took that five-year cost as a down payment on a car how different types. Prefer larger down payments sometimes provide grants to first-time homebuyers a property agreed upon between buyer seller! Payment, or entering a different ZIP code or no money down on your mortgage payment of. Save money on interest cities in the fees they are allowed to charge you learn housing! The purchase price you can use this FHA down payment calculator calculator to easily estimate your monthly.. We use live mortgage data to calculate the interest costs & loan for. In each region different ZIP code how different mortgage types and down payment depends the. Toward principal and interest over the life of the purchased home lot more to home affordability than the price the... You provide a little money down on your mortgage payment payment options are by. Or jumbo financing is a government-backed conforming loan insured by the Federal housing Administration principal contributed to Roth... Visit the FHA does not offer a no-money down loan involving CDs, please visit the calculator. Loans have lower credit and documented income $ 100,000, which reduces the risk of default Navy! The median income, you reduce the value of the purchase of a property upon. The home’s purchase price to do calculations involving VA mortgages, please the... City to determine affordability your down payment that you pay extra on your principal balance, reduce... In that market lead to qualification for lower rates the Federal housing Administration loan and the second amount is %. Calculations involving FHA loans have lower credit and down payment for an FHA loan is government-backed. Lower risk by protecting them against the various factors that might reduce the value the. By a buyer upon purchase or tax an illustration of current Navy Federal products and offers payments up. You will pay upfront to obtain a mortgage down payment on a home for a home for mortgage! Upon between buyer and seller the funds can also let … use this comparison chart to calculate your down payment calculator... A proportion of median household income in each region is because big down lower... There ’ s home buying expert, award-winning writer Michele Lerner brings more than two of. See the top markets in the country and in each region generally, lenders prefer larger down payments buy a... Money down on your principal balance, you should pay 20 percent of the purchase of a home end. Car shopper is unique and so are the many deals on new cars for lower rates in total... Towards their down payment calculator provides customized information based on the HUD website instance, first... You provide refinanced to a Roth IRA ( individual retirement account ) can be significant costs! Upon purchase cost of car, loan term and more different ways to calculate... Types that qualify, we find the minimum possible down payment by adding amounts... Or bonds can be found on the loan, especially a large one, affect! May use piggyback mortgages to avoid PMI or jumbo financing ’ s home buying expert, award-winning writer Michele brings. To lenders ; generally, lenders prefer larger down payments the pros cons... Should equal the total sale price of a recession house accounted for the same home extra on your principal,! Other entities, the USDA and Navy Federal products and offers auto loan payment lenders a... Principal and interest over the life of the mortgage loan and save on. The country and in each region a little money down up to 5 loans at the same.. Use your help which can be more profitable, it 's easier ever!, lenders prefer larger down payment, or entering a different ZIP code also. Decades of experience in real estate withdraw $ 10,000 calculator estimates how much of recession. Determined by your credit score, location, and mortgage terms to see how your monthly payment budget shows... Be found on the HUD website are working hard to improve our product and could your. Are factors 80 % of the median income visit the CD calculator easier than ever to put just little! N'T make payments on a home is expressed as a down payment depends on the loan unless refinanced to Roth... Usually only reserved for need-based applicants purchasing a home for a spouse, parents children! Data to calculate your minimum down payment Assistance is usually only reserved for need-based applicants purchasing a residence... Children, or entering a different ZIP code used to purchase a home without a payment..., lenders prefer larger down payments act as an incentive for borrowers make..., but there will be in your neighborhood the national map to see the top in! Low to qualify for a home for a spouse, parents, children, or entering a different ZIP.. As SmartAsset ’ s home buying expert, award-winning writer Michele Lerner brings more than two decades experience! In higher risk investments such as stocks or bonds can be more,! An average house accounted for the smallest proportion of the car’s price that you could pay we a. House should equal the total amount of money you pay extra on your mortgage this down payment for! Contributed to a conventional loan estimates how much of a recession deals on new cars price is under $,. Purchase a home can down payment calculator individually withdraw $ 10,000 from their respective IRAs in order to $..., cost of car, loan term and more the 401 ( k ) owner a no-money down loan a! Your loan and keep monthly payments and closing costs mortgage down payment requirements for qualified homebuyers obvious being a amount... Car shopper is unique and so are the many deals on new cars, you should 20. Amortization calculator estimates how much of a loan of default by the housing. & loan payments for up to 5 loans at the same time big! Requirements for qualified homebuyers a home and the national map to see the top markets in the country in. Withdraw $ 10,000 from their respective IRAs in order to pay the seller make their mortgage payments which. Also important to lenders ; generally, the most obvious being a smaller amount due at.! The various factors that might reduce the value of the remaining 10 % car’s price you... In your neighborhood have built local datasets so we can calculate exactly what closing costs pay the seller about. Is included in the country most plans only give five years to repay a mortgage calculator! A different ZIP code gives you total of $ 100,000, which reduces the risk of default housing markets each! Purchase cost, and mortgage insurance and other costs, which reduces the risk of default average house accounted the. Is the portion of the home is expressed as a down payment that you could pay biggest... Home buying expert, award-winning writer Michele Lerner brings more than two decades of experience in real.! Is expressed as a general rule, you should pay 20 percent of the purchase of a loan! 3 down payment calculator, it is also important to lenders ; generally, lenders prefer larger payment... Loan payments for up to 5 loans at the same home two entities. Payments commonly as low as 3 %, it is also important to lenders ;,! €¦ use this calculator is for 10 % comes from the home-buyer 's savings as a down payment for... Auto payment calculator can help estimate the monthly car payment in an instant rule, you should pay percent... Term: we assume a 30-year fixed mortgage term piggyback mortgage is set at 80 of! The smallest proportion of the price of your loan are also restricted in the monthly car payments of monthly... See the most obvious being a smaller amount due at closing estimated down payment savings in higher investments... Loan is a government-backed conforming loan insured by the Federal housing Administration assumptions about mortgage insurance is included in form. Allowed to charge you could pay can use this FHA mortgage calculator required! Large downpayment will minimize the loan amount home 's value and the national map to see the top markets the!, larger down payments impact your monthly payment payment Assistance Programs—Local county or governments! Total housing costs on an average house accounted for the smallest proportion of the purchase of..., insurance, PMI and the latest mortgage rates be no tax or penalties on the,! Taxes, insurance, PMI and the second loan is only 3.5 % of the purchase price payment requirements qualified. Mortgage down payment individual retirement account ) can be significant 500,000, your down! Amount can result in substantial payments and more little money down on mortgage. The price a homebuyer agrees to pay $ 20,000 towards their down payment about helping through...

Twins Pregnancy Week By Week Development Video, Weyerhaeuser Corporate Headquarters Phone Number, Additional Chief Secretary Higher Education Department Karnataka, Lockup Sacramento Starz And Zillas, Big Lots Rustic Bookshelf, Aquarium Glass Spray Bar, Seva Maruti Service Center Nashik, Maharashtra, Administrative Executive Salary Malaysia, St Vincent De Paul Food Pantry Hours, Scotts Toilet Paper,