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So if the rate are similar in Franklin I didn't look them up and you're talking about a house with a value somewhere around $300K, then you might pay about $400-450 in combined taxes and insurance per month, or $4800-5400 a year. You may have little or nothing left to offer your non-priority creditors. How much secured debt do you have? With a 100% mortgage, the lender agrees to finance the whole of the purchase price, but will often charge a higher rate of interest and may make other conditions. Attach Copy B of Form 2439 to your return, and keep Copy C for your records.
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