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 | $879(+$10) | 6.8% | 11.8% | affordable |
| $200K - $350K | $13,750 | $1,707 | $2,197(+$26) | 6.8% | 29.6% | stretch |
| $350K - $500K | $21,250 | $2,638 | $3,327(+$40) | 6.8% | 44.9% | unaffordable |
| $500K - $750K | $31,250 | $3,879 | $4,834(+$60) | 6.8% | 65.2% | unaffordable |