Know What You Can Afford — Before You Shop.
Affordability is improving. But headlines don’t buy homes — numbers do. Let’s walk through the 5 steps every 2026 buyer needs to understand.
Access The Toolkit1️⃣ Where Are Mortgage Rates Going?
Review rate trends, the 10-Year Treasury, and what improving affordability actually means.
Rates matter — but payment strategy matters more.
2️⃣ What Will My TRUE Monthly Payment Be?
Principal + Interest + Taxes + Insurance + PMI.
Affordability = Total Payment — not just interest rate.
3️⃣ How Much Do I Need Down?
Conventional 3%, FHA 3.5%, VA 0%, Down Payment Assistance options.
You don’t need 20% down. You need the right structure.
4️⃣ How Much House Can I Afford?
Income vs debt. Comfort payment vs max approval.
Approval amount ≠ comfort amount.
5️⃣ What Should I Do Next?
Don’t shop homes until you know your numbers.
