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 | $862(-$37) | 7.1% | 11.2% | affordable |
| $200K - $350K | $9,625 | $1,778 | $2,153(-$102) | 7.1% | 28.1% | stretch |
| $350K - $500K | $14,875 | $2,748 | $3,259(-$158) | 7.1% | 42.5% | unaffordable |
| $500K - $750K | $21,875 | $4,041 | $4,734(-$113) | 7.1% | 61.7% | unaffordable |
| $750K - $1M | $30,625 | $5,657 | $6,578(-$127) | 7.1% | 85.8% | unaffordable |