All price ranges · Rate Year 2025
Standard mortgage with 3-20% down. PMI required if under 20% down.
| Home Price | Down Payment | P&I | Monthly PITI | Rate | DTI | Verdict |
|---|---|---|---|---|---|---|
| Under $200K | $5,000 | $621 | $844(-$25) | 6.8% | 11.9% | affordable |
| $200K - $350K | $13,750 | $1,707 | $2,103(-$68) | 6.8% | 29.7% | stretch |
| $350K - $500K | $21,250 | $2,638 | $3,182(-$105) | 6.8% | 44.9% | unaffordable |
| $500K - $750K | $31,250 | $3,879 | $4,621(-$153) | 6.8% | 65.2% | unaffordable |
| $750K - $1M | $43,750 | $5,430 | $6,419(-$18) | 6.8% | 90.6% | unaffordable |