Read the following texts and table with financial data from an S&P 500 earnings report carefully.Based on the question-answer history (if provided), answer the last question. The answer may require mathematical calculation based on the data provided.


is used to monitor the risk in the loan classes . loans with higher fico scores and lower ltvs tend to have a lower level of risk . conversely , loans with lower fico scores , higher ltvs , and in certain geographic locations tend to have a higher level of risk . in the first quarter of 2013 , we refined our process for the home equity and residential real estate asset quality indicators shown in the following tables . these refinements include , but are not limited to , improvements in the process for determining lien position and ltv in both table 67 and table 68 . additionally , as of the first quarter of 2013 , we are now presenting table 67 at recorded investment as opposed to our prior presentation of outstanding balance . table 68 continues to be presented at outstanding balance . both the 2013 and 2012 period end balance disclosures are presented in the below tables using this refined process . consumer purchased impaired loan class estimates of the expected cash flows primarily determine the credit impacts of consumer purchased impaired loans . consumer cash flow estimates are influenced by a number of credit related items , which include , but are not limited to : estimated real estate values , payment patterns , updated fico scores , the current economic environment , updated ltv ratios and the date of origination . these key factors are monitored to help ensure that concentrations of risk are mitigated and cash flows are maximized . see note 6 purchased loans for additional information . table 66 : home equity and residential real estate balances in millions december 31 december 31 home equity and residential real estate loans 2013 excluding purchased impaired loans ( a ) $ 44376 $ 42725 home equity and residential real estate loans 2013 purchased impaired loans ( b ) 5548 6638 government insured or guaranteed residential real estate mortgages ( a ) 1704 2279 purchase accounting adjustments 2013 purchased impaired loans ( 116 ) ( 482 ) total home equity and residential real estate loans ( a ) $ 51512 $ 51160 ( a ) represents recorded investment . ( b ) represents outstanding balance . 136 the pnc financial services group , inc . 2013 form 10-k . <table class='wikitable'><tr><td>1</td><td>in millions</td><td>december 31 2013</td><td>december 31 2012</td></tr><tr><td>2</td><td>home equity and residential real estate loans 2013 excluding purchased impaired loans ( a )</td><td>$ 44376</td><td>$ 42725</td></tr><tr><td>3</td><td>home equity and residential real estate loans 2013 purchased impaired loans ( b )</td><td>5548</td><td>6638</td></tr><tr><td>4</td><td>government insured or guaranteed residential real estate mortgages ( a )</td><td>1704</td><td>2279</td></tr><tr><td>5</td><td>purchase accounting adjustments 2013 purchased impaired loans</td><td>-116 ( 116 )</td><td>-482 ( 482 )</td></tr><tr><td>6</td><td>total home equity and residential real estate loans ( a )</td><td>$ 51512</td><td>$ 51160</td></tr></table> is used to monitor the risk in the loan classes . loans with higher fico scores and lower ltvs tend to have a lower level of risk . conversely , loans with lower fico scores , higher ltvs , and in certain geographic locations tend to have a higher level of risk . in the first quarter of 2013 , we refined our process for the home equity and residential real estate asset quality indicators shown in the following tables . these refinements include , but are not limited to , improvements in the process for determining lien position and ltv in both table 67 and table 68 . additionally , as of the first quarter of 2013 , we are now presenting table 67 at recorded investment as opposed to our prior presentation of outstanding balance . table 68 continues to be presented at outstanding balance . both the 2013 and 2012 period end balance disclosures are presented in the below tables using this refined process . consumer purchased impaired loan class estimates of the expected cash flows primarily determine the credit impacts of consumer purchased impaired loans . consumer cash flow estimates are influenced by a number of credit related items , which include , but are not limited to : estimated real estate values , payment patterns , updated fico scores , the current economic environment , updated ltv ratios and the date of origination . these key factors are monitored to help ensure that concentrations of risk are mitigated and cash flows are maximized . see note 6 purchased loans for additional information . table 66 : home equity and residential real estate balances in millions december 31 december 31 home equity and residential real estate loans 2013 excluding purchased impaired loans ( a ) $ 44376 $ 42725 home equity and residential real estate loans 2013 purchased impaired loans ( b ) 5548 6638 government insured or guaranteed residential real estate mortgages ( a ) 1704 2279 purchase accounting adjustments 2013 purchased impaired loans ( 116 ) ( 482 ) total home equity and residential real estate loans ( a ) $ 51512 $ 51160 ( a ) represents recorded investment . ( b ) represents outstanding balance . 136 the pnc financial services group , inc . 2013 form 10-k .
Question: what is the total home equity and residential real estate loans in 2013?
Answer: 51512.0
Question: what about in 2012?
Answer: 51160.0
Question: what is the total for both years?

102672.0