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Another factor in determining your mortgage affordability is your down payment. According to Scotiabank, home buyers must have a minimum 5% down payment for homes.

Our monthly mortgage payment (15 yrs) including P, I, T, I is $726/mo and starts 2/1/17 with a starting balance of $60k while the house was appraised at $186k (not even fully complete). My point is that the bank told us we could afford a MUCH more expensive home, but we chose to live FAR below our means. I suggest everyone do the same. In the above two scenarios, your household expenses vs debt is 28/28. This puts your household expenses at 28 percent and your debt under 36, which means you can safely afford the home. “If you. But your specific home buying budget will depend on your credit score, debt-to-income ratio, and the size of your down payment. As an example, if you make $50K, have less than $200 in monthly debt. On a $240,000 mortgage, that's $200 per month. Keep in mind that you will have other ongoing costs related to homeownership as well, including taxes, insurance, and utilities. All of these. If a bank will lend up to 41% of your pay, that doesn't mean your mortgage should be 41% of your pay. It means your mortgage should be absolute maximum 41%. 40% is better than that, 39% is better than that, 38% is better than that, and so on and so forth. Yes and I think conversations like this will help them gauge the community. There's a balance they will try to land with the distribution. How much of the total needs to be given to the LRC community to keep them on board, and what is the minimum required to keep most of the community on board. The less they can get away with the more remains. This final number will be how much money you can spend per month on housing-related costs. Multiply it by 12, then by however long you want a loan for (15 or 30 years for example) to see the price range you should be looking for when looking at homes. Remember, when you're thinking about housing costs maintenance is an important part of that cost!. Our monthly mortgage payment (15 yrs) including P, I, T, I is $726/mo and starts 2/1/17 with a starting balance of $60k while the house was appraised at $186k (not even fully complete). My point is that the bank told us we could afford a MUCH more expensive home, but we chose to live FAR below our means. I suggest everyone do the same. Two wood boards can be detached by hand, which means cleaning up is simple. 【Tiny handle grip】The handle with a contoured design fit comfortably in the small hand, making this planer easy to hold and control. Plane dimension: 80*20*20mm / 3.2*0.8*0.8in.Plane weight: 76 g / 2.7oz. 【Mini but Widely Use】Our hand plane for DIY allows you to. The Conservative Model: 25% of After-Tax Income. On the flip side, debt-despising Dave Ramsey wants your housing payment (including property taxes and insurance) to be no more than 25% of your after-tax income. “Your mortgage payment should not be more than 25% of your take-home pay and you should get a 15-year or less, fixed-rate mortgage. When we started renting the house, we had paid about $160K into the 15-year mortgage (down payment & principal). Property taxes are high, so the monthly PITI payments were around $4,000. We started renting the house out at the going rate of $3,200/mo. The extra $800 we were paying was purely principal, which we just considered extra savings.

On a $240,000 mortgage, that's $200 per month. Keep in mind that you will have other ongoing costs related to homeownership as well, including taxes, insurance, and utilities. All of these.

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For homes in the 3,000 to 4,000 square foot range, the average cost climbs to $87,500. Renovations made to an older home tend to cost more than a newer one, especially if the wiring, plumbing and other features aren't up to code. Typically, you can expect to spend at least $10 to $60 per square foot on any renovation.

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To calculate how much home you can afford, simply follow these five steps. 1. Figure out 25% of your take-home pay. To calculate how much house you can afford, use the 25% rule: Never spend more than 25% of your monthly take-home pay (after tax) on monthly mortgage payments. In the above two scenarios, your household expenses vs debt is 28/28. This puts your household expenses at 28 percent and your debt under 36, which means you can safely afford the home. “If you. Get directions, find nearby businesses and places, and much more.Location. 42° 56.34′ N, 104° 22.182′ W. Marker is near Lusk, Wyoming, in Niobrara County. Marker is on CanAm Highway (U.S. 85 at milepost 163) near Hat Creek Road, on the left when traveling south. Touch for map. Get directions, find nearby businesses and places, and much more.Location. 42° 56.34′ N, 104° 22.182′ W. Marker is near Lusk, Wyoming, in Niobrara County. Marker is on CanAm Highway (U.S. 85 at milepost 163) near Hat Creek Road, on the left when traveling south. Touch for map. Some experts have suggested something called the 28/36 rule. This refers to the recommendation that you should not spend any more than 28% of your gross income on the total amount you pay for your mortgage monthly. You should also make sure you don’t go over 36% of your gross income on all borrowing expenses for things like car loans and. The 28/36 rule stipulates that in order for a home to be considered within your budget, your housing expenses (such as mortgage payments, taxes and insurance payments) shouldn’t exceed 28% of. · 4 mo. ago 25 y/o. Currently my take home pay after taxes is $3800/mo, gf is bringing home $1500/mo. Mortgage+insurance is $2300/mo on a $305K note. So combined we are spending 39% on mortgage, anticipating this to continue to reduce as my salary increases and she is gunning for new jobs that will pay better. For renters, that 30% includes rent and utility costs like heat, water and electricity. If you own your home, you should include interest, homeowners insurance, property taxes and utilities, in. Your budget is 35% or $14,000, and you plan to make a 20% down payment of $2,800. You don't have a trade-in, and you choose a 48-month loan at 4%. Punch in those numbers and scroll to the bottom, where you'll see an all-important figure: Maximum recommended monthly payment.

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In the above two scenarios, your household expenses vs debt is 28/28. This puts your household expenses at 28 percent and your debt under 36, which means you can safely afford the home. “If you. When it comes to how much you should spend and save each month, NerdWallet advocates the 50/30/20 budget. With this formula, you aim to devote 50% of your take-home pay to needs like rent and. Your debt-to-income ratio (DTI) would be 36%, meaning 36% of your pretax income would go toward mortgage and other debts. Monthly income. $8,333. This DTI is in the affordable. Two wood boards can be detached by hand, which means cleaning up is simple. 【Tiny handle grip】The handle with a contoured design fit comfortably in the small hand, making this planer easy to hold and control. Plane dimension: 80*20*20mm / 3.2*0.8*0.8in.Plane weight: 76 g / 2.7oz. 【Mini but Widely Use】Our hand plane for DIY allows you to. So if you earn $70,000 a year, you should be able to spend at least $1,692 a month — and up to $2,391 a month — in the form of either rent or mortgage payments. Another popular guideline.

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According to Ramsey, your monthly housing expenses should never be higher than 25% of your monthly after-tax income. So, if you take home $5,000 a month after taxes, you can afford a $1,250 total monthly housing payment. Therefore, you hardly need to use the calculator to follow this rule. To find out your monthly maximum mortgage payment, just. Yes and I think conversations like this will help them gauge the community. There's a balance they will try to land with the distribution. How much of the total needs to be given to the LRC community to keep them on board, and what is the minimum required to keep most of the community on board. The less they can get away with the more remains.

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"If you're determined to be truly conservative, don't spend more than about 35% of your pretax income on mortgage, property tax, and home insurance payments. Bank of America, which adheres to the guidelines that Fannie Mae and Freddie Mac set, will let your total debt (including student and other loans) hit 45% of your pretax income, but no more.". Call us at (513) 475-8881 to learn more. About Our Physicians Our doctors are surgeons, researchers, teachers and leaders in the field of cosmetic and plastic surgery . We are uniquely positioned to provide you with the best research and latest technology in the areas of skin care, face and body enhancements and reconstructive >surgery</b>. The 28% rule states that you should spend 28% or less of your monthly gross income on your mortgage payment (e.g. principal, interest, taxes and insurance). To determine how much you can afford using this rule, multiply your monthly gross income by 28%. For example, if you make $10,000 every month, multiply $10,000 by 0.28 to get $2,800. Yes and I think conversations like this will help them gauge the community. There's a balance they will try to land with the distribution. How much of the total needs to be given to the LRC community to keep them on board, and what is the minimum required to keep most of the community on board. The less they can get away with the more remains. I have been told your monthly should be no more than 28% of your salary and then people like Dave Ramsey have said it should be no more than 25% of your net monthly income. It. Call us at (513) 475-8881 to learn more. About Our Physicians Our doctors are surgeons, researchers, teachers and leaders in the field of cosmetic and plastic surgery . We are uniquely positioned to provide you with the best research and latest technology in the areas of skin care, face and body enhancements and reconstructive >surgery</b>. Estimate How Much Mortgage You Can You Afford † Annual Household Income Your Income Your Partner's Income Enter your annual income before taxes. Gross Income: $140,000 Estimated Net Income: $107,330 I am self-employed with variable income How much can you put for the home down payment? First-time home-buyer?. In the above two scenarios, your household expenses vs debt is 28/28. This puts your household expenses at 28 percent and your debt under 36, which means you can safely afford the home. “If you.

what to do in gap year before law school. While weve already made some suggestions on what you can do during your gap year before law school, the opportunities are really endless. when people buy a home it's now just the monthly payment, there are maintenance, home owner issuance and property taxes, not sure you have enough cash for any event that house needs repair or you need to come up with deductible for a $200,000 home; i would recommend you check in with local insurance agent about getting a quote for home owner.

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Estimate How Much Mortgage You Can You Afford † Annual Household Income Your Income Your Partner's Income Enter your annual income before taxes. Gross Income: $140,000 Estimated Net Income: $107,330 I am self-employed with variable income How much can you put for the home down payment? First-time home-buyer?. The 28% rule states that you should spend 28% or less of your monthly gross income on your mortgage payment (e.g. principal, interest, taxes and insurance). To determine how much you can afford using this rule, multiply your monthly gross income by 28%. For example, if you make $10,000 every month, multiply $10,000 by 0.28 to get $2,800. Your debt-to-income ratio (DTI) would be 36%, meaning 36% of your pretax income would go toward mortgage and other debts. Monthly income. $8,333. This DTI is in the affordable. All told, they could make three to five points on a mortgage, aka 3-5% of the loan amount. If we're talking a $500,000 loan amount, that's anywhere from $15,000 to $25,000 per loan! And it could be even higher for jumbo loans. Prior to the housing crisis, it wasn't unheard of for brokers to make massive commissions like this. Unfortunately, the $7,500 credit for first-time homebuyers provided by the Housing and Economic Recovery Act is no longer available. The program was completed in 2010. However, you can still save money on your taxes through various deductions. Federal and state deductions can lower your taxable income. If your annual salary is $100,000, the 30% rule means you should spend around $2,500 per month on your house payment. With a 10% down payment and a 6% fixed interest rate, you could likely.

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Unfortunately, the $7,500 credit for first-time homebuyers provided by the Housing and Economic Recovery Act is no longer available. The program was completed in 2010. However, you can still save money on your taxes through various deductions. Federal and state deductions can lower your taxable income. Your debt-to-income ratio (DTI) would be 36%, meaning 36% of your pretax income would go toward mortgage and other debts. Monthly income $8,333 This DTI is in the affordable range. You'll have a. Mortgage, taxes, insurance, and PMI is $2,300/month +$600/month for HOA dues. Total monthly payment is $2,900. We purchased a 3 bed/2 bath condo in Los Angeles (SFV).

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The Conservative Model: 25% of After-Tax Income. On the flip side, debt-despising Dave Ramsey wants your housing payment (including property taxes and insurance) to be no more than 25% of your after-tax income. “Your mortgage payment should not be more than 25% of your take-home pay and you should get a 15-year or less, fixed-rate mortgage. According to Ramsey, your monthly housing expenses should never be higher than 25% of your monthly after-tax income. So, if you take home $5,000 a month after taxes, you can afford a $1,250 total monthly housing payment. Therefore, you hardly need to use the calculator to follow this rule. To find out your monthly maximum mortgage payment, just. The 28/36 rule stipulates that in order for a home to be considered within your budget, your housing expenses (such as mortgage payments, taxes and insurance payments). The 30% rule is one guideline for determining what you should pay. This rule of thumb for rent dictates spending no more than 30% of your income on housing each month..

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All told, they could make three to five points on a mortgage, aka 3-5% of the loan amount. If we're talking a $500,000 loan amount, that's anywhere from $15,000 to $25,000 per loan! And it could be even higher for jumbo loans. Prior to the housing crisis, it wasn't unheard of for brokers to make massive commissions like this.

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. when people buy a home it's now just the monthly payment, there are maintenance, home owner issuance and property taxes, not sure you have enough cash for any event that house needs repair or you need to come up with deductible for a $200,000 home; i would recommend you check in with local insurance agent about getting a quote for home owner. The rule also became a mantra for homebuyers seeking mortgages. Many lenders use a 28 percent housing expense-to-income and a 36 percent housing expense plus debt-to-income ratio for mortgage qualification. Also, when landlords consider a renter's application, they typically want to see that your gross income is three times the rent amount.

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For conventional loans, the maximum can range from 43 percent to 45 percent (and sometimes higher). For FHA loans, it's generally 43 percent, but also can go higher. Based on the 28 percent and. · 4 mo. ago 25 y/o. Currently my take home pay after taxes is $3800/mo, gf is bringing home $1500/mo. Mortgage+insurance is $2300/mo on a $305K note. So combined we are spending 39% on mortgage, anticipating this to continue to reduce as my salary increases and she is gunning for new jobs that will pay better. A standard definition of mortgage stress is paying more than 30 per cent of your household income (before tax) on your home loan repayments. It's just one of the many ways to measure this. On a $240,000 mortgage, that's $200 per month. Keep in mind that you will have other ongoing costs related to homeownership as well, including taxes, insurance, and utilities. All of these. Gross Income Rule. One rule of thumb says that most homeowners can afford a property that's between 2 and 2 ½ times their annual gross income. If you earn $80,000, purchasing a home for $160,000 to $200,000 would be considered reasonable. However, there are a lot of gray areas with this approach. If you value the reliability a newer, more expensive car brings, then 20–25% is a good benchmark. This gets you $5,000 to $7,500 on a $25,000 salary. Still not a lot, but you’ll have more options. At a salary of $50,000, you can spend $10,000 to $15,000, which should be plenty for a basic used sedan under 100,000 miles.

Some experts have suggested something called the 28/36 rule. This refers to the recommendation that you should not spend any more than 28% of your gross income on the total amount you pay for your mortgage monthly. You should also make sure you don't go over 36% of your gross income on all borrowing expenses for things like car loans and. Two wood boards can be detached by hand, which means cleaning up is simple. 【Tiny handle grip】The handle with a contoured design fit comfortably in the small hand, making this planer easy to hold and control. Plane dimension: 80*20*20mm / 3.2*0.8*0.8in.Plane weight: 76 g / 2.7oz. 【Mini but Widely Use】Our hand plane for DIY allows you to.

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So if you earn $70,000 a year, you should be able to spend at least $1,692 a month — and up to $2,391 a month — in the form of either rent or mortgage payments. Another popular guideline. According to Ramsey, your monthly housing expenses should never be higher than 25% of your monthly after-tax income. So, if you take home $5,000 a month after taxes, you can afford a $1,250 total monthly housing payment. Therefore, you hardly need to use the calculator to follow this rule. To find out your monthly maximum mortgage payment, just. For renters, that 30% includes rent and utility costs like heat, water and electricity. If you own your home, you should include interest, homeowners insurance, property taxes and utilities, in.

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It's possible to get by financially even when rent costs you a fortune. Key points Most people are advised to keep their housing costs to 30% of their income or less. I used to spend around 50%. Two wood boards can be detached by hand, which means cleaning up is simple. 【Tiny handle grip】The handle with a contoured design fit comfortably in the small hand, making this planer easy to hold and control. Plane dimension: 80*20*20mm / 3.2*0.8*0.8in.Plane weight: 76 g / 2.7oz. 【Mini but Widely Use】Our hand plane for DIY allows you to. We calculated how the 28% rule works out for various incomes. If you have one of the incomes below, here’s the maximum you should spend on a house. $50K annual income = $1,166 monthly housing limit. $60K annual income = $1,400 monthly housing limit. $75K annual income = $1,750 monthly housing limit. $100K annual income = $2,333 monthly. Zero allowance! I have a separate Monzo account where I put £100 each month for spending where necessary. Rest is all bills/mortgage/essential purchases/regular investments from main account. I'm not depriving myself of what I need, I'm simply not spending unnecessarily on what I want - e.g. latest iPhone, regular takeaways, more clothes etc. Gross Income Rule. One rule of thumb says that most homeowners can afford a property that's between 2 and 2 ½ times their annual gross income. If you earn $80,000, purchasing a home for $160,000 to $200,000 would be considered reasonable. However, there are a lot of gray areas with this approach. what to do in gap year before law school. While weve already made some suggestions on what you can do during your gap year before law school, the opportunities are really endless. With an income of $54,000 per year, for example, that's a mortgage payment of up to $2,250 per month when you might actually only be bringing home just $2,900 per month after taxes. That's a dangerous place to be because you won't have the cash flow to deal with any emergencies or extra savings. · 4 mo. ago 25 y/o. Currently my take home pay after taxes is $3800/mo, gf is bringing home $1500/mo. Mortgage+insurance is $2300/mo on a $305K note. So combined we are spending 39% on mortgage, anticipating this to continue to reduce as my salary increases and she is gunning for new jobs that will pay better. If you are about to bounce 3 debit card transactions at $35 each, if you borrow $50, you could save almost $100. I am looking to sell my condo. There will be around $50k shortfall in current market to cover the mortgage, so I was wondering what vehicle would people recommend to finance that 50k?1) Make $50 Fast Taking Surveys at Survey Junkie. According to Ramsey, your monthly housing expenses should never be higher than 25% of your monthly after-tax income. So, if you take home $5,000 a month after taxes, you can afford a $1,250 total monthly housing payment. Therefore, you hardly need to use the calculator to follow this rule. To find out your monthly maximum mortgage payment, just. Call us at (513) 475-8881 to learn more. About Our Physicians Our doctors are surgeons, researchers, teachers and leaders in the field of cosmetic and plastic surgery . We are uniquely positioned to provide you with the best research and latest technology in the areas of skin care, face and body enhancements and reconstructive >surgery</b>.

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. This final number will be how much money you can spend per month on housing-related costs. Multiply it by 12, then by however long you want a loan for (15 or 30 years for example) to see the price range you should be looking for when looking at homes. Remember, when you're thinking about housing costs maintenance is an important part of that cost!.

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Call us at (513) 475-8881 to learn more. About Our Physicians Our doctors are surgeons, researchers, teachers and leaders in the field of cosmetic and plastic surgery . We are uniquely positioned to provide you with the best research and latest technology in the areas of skin care, face and body enhancements and reconstructive >surgery</b>. The resulting figure will show the maximum you should be spending on mortgage payments, home insurance and property taxes each month. eg. $5,500 (gross income) x 0.28 = $1,540 to spend on mortgage, etc. Multiplying your income by 0.36 will let you know how much you can spend in total to hit a DTI of 36%. eg. $5,500 × 0.36 = $1,980 to spend on. If you make $70K a year, you can likely afford a house payment between $1,500 and $2,000 a month, depending on your personal finances. Assuming a 4% mortgage rate and a $30,000 down payment,. The 28% rule states that you should spend 28% or less of your monthly gross income on your mortgage payment (e.g. principal, interest, taxes and insurance). To determine how much you can afford using this rule, multiply your monthly gross income by 28%. For example, if you make $10,000 every month, multiply $10,000 by 0.28 to get $2,800. You could have some nice dinners out once a week for instance and save the rest. Have a holiday where you spend some quality time. You should make the most of your time if you can and use some of the money for that. This is the answer. And congrats in paying off your mortgage. It's a lovely feeling. Let’s say your household brings in a combined $130,000 per year, and you expect to pay $3,000 per month on the mortgage for your new single-family home, plus another $500 on property taxes and. Your debt-to-income ratio (DTI) would be 36%, meaning 36% of your pretax income would go toward mortgage and other debts. Monthly income. $8,333. This DTI is in the affordable.

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Your debt-to-income ratio (DTI) would be 36%, meaning 36% of your pretax income would go toward mortgage and other debts. Monthly income. $8,333. This DTI is in the affordable. UltraBenefits offers innovative resources and guidance that help improve the wellness of your workforce. EMPLOYERS We offer a variety of tools and services that enable brokers to provide indelible value for their clients. We would like to show you a description here but the site won’t allow us. "If you're determined to be truly conservative, don't spend more than about 35% of your pretax income on mortgage, property tax, and home insurance payments. Bank of America, which adheres to the guidelines that Fannie Mae and Freddie Mac set, will let your total debt (including student and other loans) hit 45% of your pretax income, but no more.". Zero allowance! I have a separate Monzo account where I put £100 each month for spending where necessary. Rest is all bills/mortgage/essential purchases/regular investments from main account. I'm not depriving myself of what I need, I'm simply not spending unnecessarily on what I want - e.g. latest iPhone, regular takeaways, more clothes etc.

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Call us at (513) 475-8881 to learn more. About Our Physicians Our doctors are surgeons, researchers, teachers and leaders in the field of cosmetic and plastic surgery . We are uniquely positioned to provide you with the best research and latest technology in the areas of skin care, face and body enhancements and reconstructive >surgery</b>.

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Here are tips for applying for a mortgage while paying off student debt. Breaking news! The president has made an announcement regarding federal student loan forgiveness. Refi now and save money before rates rise again. ... Reddit; QUESTIONS? Customer Support: (855) 456-7634. Mon-Thu 5:00 AM - 7:00 PM PT; Fri-Sun 5:00 AM - 5:00 PM PT; Home. The resulting figure will show the maximum you should be spending on mortgage payments, home insurance and property taxes each month. eg. $5,500 (gross income) x 0.28 = $1,540 to spend on mortgage, etc. Multiplying your income by 0.36 will let you know how much you can spend in total to hit a DTI of 36%. eg. $5,500 × 0.36 = $1,980 to spend on. The sub 30% of income (mortgage/housing cost) is applicable to MOST people, but when you get above 250k, you can be much more flexible with it because those rules are not as relevant to you anymore. That is unless ALL of your other expenses MATCH that high income. MarketWatch provides the latest stock market, financial and business news. Get stock market quotes, personal finance advice, company news and more. You could have some nice dinners out once a week for instance and save the rest. Have a holiday where you spend some quality time. You should make the most of your time if you can and use some of the money for that. This is the answer. And congrats in paying off your mortgage. It's a lovely feeling. Yes and I think conversations like this will help them gauge the community. There's a balance they will try to land with the distribution. How much of the total needs to be given to the LRC community to keep them on board, and what is the minimum required to keep most of the community on board. The less they can get away with the more remains. In total, your PITI should be less than 28 percent of your gross monthly income, according to Sethi. For example, if you make $3,500 a month, your monthly mortgage should be no higher than $980,.

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A standard definition of mortgage stress is paying more than 30 per cent of your household income (before tax) on your home loan repayments. It's just one of the many ways to measure this. What Is The 28 36 Rule. A Critical Number For Homebuyers One way to decide how much of your income should go toward your mortgage is to use the 28/36 rule. According to this rule, your mortgage payment shouldn’t be more than 28% of your monthly pre-tax income and 36% of your total debt. . To calculate how much home you can afford, simply follow these five steps. 1. Figure out 25% of your take-home pay. To calculate how much house you can afford, use the 25% rule: Never spend more than 25% of your monthly take-home pay (after tax) on monthly mortgage payments. Unfortunately, the $7,500 credit for first-time homebuyers provided by the Housing and Economic Recovery Act is no longer available. The program was completed in 2010. However, you can still save money on your taxes through various deductions. Federal and state deductions can lower your taxable income.

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When we started renting the house, we had paid about $160K into the 15-year mortgage (down payment & principal). Property taxes are high, so the monthly PITI payments were around $4,000. We started renting the house out at the going rate of $3,200/mo. The extra $800 we were paying was purely principal, which we just considered extra savings. MarketWatch provides the latest stock market, financial and business news. Get stock market quotes, personal finance advice, company news and more. Call us at (513) 475-8881 to learn more. About Our Physicians Our doctors are surgeons, researchers, teachers and leaders in the field of cosmetic and plastic surgery . We are uniquely positioned to provide you with the best research and latest technology in the areas of skin care, face and body enhancements and reconstructive >surgery</b>. In total, your PITI should be less than 28 percent of your gross monthly income, according to Sethi. For example, if you make $3,500 a month, your monthly mortgage should be no higher than $980,.

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