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I wll be closing on 12/23/09. the home costs $125,000 I have a 5.25% interest rate? what would be my monthly payments for everything?

Also I am putting 3.5% down (FHA) in addition the lender wants me to pay $1,300 in escrow for a total of $5,700 Is that right? Why is escrow so much more. I thought all I needed was a down payment.

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