I've done a lot of research and I'm just hitting a wall with these online calculators. I'm a veteran, which is one of the best loan rates you can get. I make 48K before taxes. I have student loans, about 300/month, and a car payment, of 200. I simply want to know how much I can afford if my taxes are around 5000/year on a 190K house. I am looking to do 30 year, fixed rate. Any help, would be greatly appreciated.
You have 500 a month debt or around 13% of your income is for these 2 things. The lender will allow 8%, so the other 5 would come from your housing. With that said, I would recommend you DO NOT use more then 25% of your gross income each month for housing. MAX. And this would mean that you are ALSO saving at least 10% a month. With an income of 4000, 25% is equal to a TOTAL payment of $1000 a month. This incomes, loan, taxes, insurance, PMI and HOA This works out to a total loan of 170,000 30 year fix at 3.5%
Just researched online a bit for you. Wow! Millington home loans are amazing - zero down, even better than FHA. I found a Bank of America web page that has a phone number you can call about Millington and FHA loans. Why don't you just call them up? There are so many different calculators online, might as well call a real lender: luck :-)
You can only borrow at most about 3x what you make, so for you, you'll need about 40-50K down on a 190K house....
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