current combined annual income ($). Monthly child support. (not including current mortgage payment) ($). Annual interest rate on new mortgage (0% to 40 %).

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Frame 1: Buying a home means more than just a mortgage payment. • Down payment • Closing costs • Setting a budget Frame 2: Consider a 20% down payment to avoid mortgage insurance. Frame 3: Closing costs usually make up around 2 – 5% of the purchase price of the home. Frame 5: Setting a budget

The sum of the monthly mortgage, interest, tax and insurance payments must be equal or less than 41% of your gross (pre-taxes) monthly salary. DISCLAIMER: The figures above are based upon VA’s debt-to-income ratio which is a ratio of total monthly debt payments (housing expense, installment debts, and so on) to gross monthly income.

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"On top of that, those payments can often be adjusted – especially with federal loans – so if someone is on an income-based repayment plan, that is actually not the amount that would be used when.