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How much house can you afford?

  • Annual Income
  • Monthly Debt (Car payments, credit cards, student loan payment etc.)
  • Cash in hand for down payment
  • Property tax rate (1% = \$1000/yr for 100K house)
  • Home Insurance rate (0.5% = \$500/yr for 100K house)
  • Interest Rate (%)
  • Length of Loan (years)
  • Maximum PITI Debt Ratio (%) - If unsure leave as 28%
  • Maximum Total Debt Ratio (%) - If unsure leave as 36%

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