For those of us who aren’t math buffs, that’s only 28 percent.

But why do so many decide to do this when such a stunning residence awaits?

“Uncle Sam makes it a little difficult to take ownership,” Martin said.

Hilton Head, SC site of 2020 HGTV Dream Home

That means the federal income-tax you’ll have to pay is a whopping $700,000.

He lived in the home for nearly two years before his dream house went into foreclosure.

fancy home