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 | $971(+$102) | 6.8% | 13.7% | affordable |
| $200K - $350K | $13,750 | $1,707 | $2,452(+$281) | 6.8% | 34.6% | stretch |
| $350K - $500K | $21,250 | $2,638 | $3,721(+$434) | 6.8% | 52.5% | unaffordable |
| $500K - $750K | $31,250 | $3,879 | $5,413(+$639) | 6.8% | 76.4% | unaffordable |