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Table Of Content How does the type of home loan impact affordability? Many Americans spend more than they should on housing. These guidelines can help you avoid that trap. How does the amount of my down payment impact how much house I can afford? How much house can you really afford? Loan Types Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The 30% rule is based on how much a family can reasonably spend on housing and still have enough money left over to afford everyday expenses like food and transportation. First, you’ll need to do the hard work of saving up $80,000 in cash as a 20% down payment. Or if you already own a home, make sure you have enough equity to pay off your current mortgage and cover your down payment when you sell it. How does the type of home loan impact affordability? Most lenders want you to have a credit score of at least 620 to get a conventional loan. However, it is possible
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