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 | $882(-$17) | 7.1% | 13.9% | affordable |
| $200K - $350K | $9,625 | $1,778 | $2,208(-$47) | 7.1% | 34.9% | stretch |
| $350K - $500K | $14,875 | $2,748 | $3,344(-$73) | 7.1% | 52.8% | unaffordable |