For someone buying a $200k house in the central valley, that $10k is still a lot of money, as is $50/mo. When I bought my first home for around that price, $50

For someone buying a $200k house in the central valley, that $10k is still a lot of money, as is $50/mo. When I bought my first home for around that price, $50/mo meant a significant difference in what kind of loan I could qualify for. Also, why would you assume current interest rates for something that takes effect in 2020 and will last in perpetuity?