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20 per cent able allow amortization amount annual expenses annual income Approximate savings included arranged borrow building and loan buy a home buy or build Buying a house cash payment cities comparable with rent contract contractor cost depend depositors doors easements expenditures family's financing charges finished house floors heating home builder home buyers home ownership home seeker house and lot improvements installed interest rates joists land values less living room loan associations masonry mortgage loan necessary neighborhood North Central Ohio old house paid pamphlet payment of 20 percentage plaster plumbing fixtures principal private restrictions prospective home owner quality of construction quantity survey rate of interest real estate Renewals and repairs savings bank second mortgage shrubs sound South Dakota special assessments spend street tax and special total value usually walls water tax West North Central Youngstown