All price ranges · Rate Year 2025
Government-backed loan with 3.5% minimum down. Lower credit score requirements.
| Home Price | Down Payment | P&I | Monthly PITI | Rate | DTI | Verdict |
|---|---|---|---|---|---|---|
| Under $200K | $3,500 | $647 | $902(+$3) | 7.1% | 14.1% | affordable |
| $200K - $350K | $9,625 | $1,778 | $2,263(+$8) | 7.1% | 35.3% | stretch |
| $350K - $500K | $14,875 | $2,748 | $3,429(+$12) | 7.1% | 53.4% | unaffordable |