at the end of 2012, prof. finance was looking to buy a house and had $60,000 as a down payment and felt comfortable with a maximum monthly mortgage payment of $1000 on a 30-year fixed rate mortgage. the apr on a 30-year fixed rate mortgage was 3.25% (compounded monthly). now, 30-year fixed rate mortgages are 4.5% apr. how much less house can prof. finance afford now vs. the end of 2012 based on the given mortgage rates assuming the same down payment?