Let’s be real—homeownership might feel out of reach with everything going on in today’s market. But here’s the truth: buying a home could be more within your reach than you think.
In this first lesson, we’re breaking down what “affordability” really means right now. Spoiler alert: you don’t need a massive down payment. In fact, some loan programs start as low as 3% down, and there are local down payment assistance options that can make it even easier to get started.
We’ll explore the four key things lenders look at when deciding how much you can borrow:
Your income
Your credit score
Your existing debts
Your personal comfort zone with monthly payments
By the end of this lesson, you’ll have a clear picture of what’s possible—not just in theory, but for you.
It’s a simple way to start estimating your potential price range.