Get a mortgage
Work out what a home will cost each month, then ask a loan officer about pre-approval, rates, and down payment assistance.
Mortgage calculator
Estimated monthly payment
$2,875
- Principal & interest
- $2,275
- Property taxes
- $413
- Home insurance
- $188
- Loan amount
- $360,000
What lenders look at
- Credit score and history — most conventional loans start around 620.
- Debt-to-income ratio — total monthly debts relative to gross income.
- Down payment — 20% avoids private mortgage insurance, but less is common.
- Cash reserves — a few months of payments in savings strengthens an offer.