 And again, without getting into the weeds here, I would say talk to your loan officer, see what kind of programs are out there. And if you can do an interest rate buy-down, talk through the details and look at the numbers and the impact that that can have on your mortgage payment. Well, Sean, we still have a lot more to talk about when it comes to down payment assistance. Can you join us again in the next hour of Real Estate Today? Absolutely. Let's get into it, Stephen.