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Neighborhood Credit Union

How Much House Can You Afford?


Annual Income
Monthly Debt (Car payments, credit cards, student loan payment etc.)
Cash in hand for down payment
Property tax rate (1% = $1000/yr for 100K house)
Home Insurance rate (0.5% = $500/yr for 100K house)
Interest Rate (%)
Length of Loan (years)
Maximum PITI Debt Ratio (%) - If unsure leave as 28%
Maximum Total Debt Ratio (%) - If unsure leave as 36%