Advantage: Putting 20% down typically eliminates the need for PMI. Income Requirements

You can afford roughly a $240,000 home.

You can afford roughly a $195,000 home.

For a monthly payment of , you can typically afford a home priced between $190,000 and $240,000 , assuming current market conditions as of April 28, 2026 .

If you target a total monthly payment of $1,500 (including principal, interest, taxes, and insurance):