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Down payment
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Your home budget is based on how much you can afford to pay per month, which we calculate in the same way that mortgage lenders do—by comparing your income to your expenses and debts.
We include the monthly payments on the loan, average property taxes and homeowners' insurance fees nationally, and private mortgage insurance if applicable. We don't include utilities or homeowners' association dues.
Borrowers with a down payment of less than 20% are required to purchase mortgage insurance. Mortgage insurance protects the mortgage lender against loss if a borrower defaults on their loan. Typically, mortgage insurance rates range from 0.5%–1% of the loan amount. Your actual rate may vary.
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