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How Much Home Can You Afford

Before you start shopping for a home, you need to know what kind of home to shop for. To determine that, of course, you’ve got to figure out how much you can afford to pay each month.

Fortunately, there’s a pretty simple formula for coming up with this number.  The FHA has found that most people can afford to budget 29 percent of their gross monthly income to housing expenses, depending on total debt. Buyers with no debt can budget as much as 45 percent of monthly income to housing.

Homeownership is a National Priority
FHA is Your Door to Homeownership

Helping more low and moderate income Americans become homeowners is a national priority, especially first-time homebuyers and minority families.

Since its inception in 1934, the Federal Housing Administration (FHA) has been a door to homeownership for 34 million American individuals and families. FHA provides access to reasonably priced mortgages and fair terms, as well as many options for keeping Americans in their homes. We look forward to its continued role in making the dream of homeownership achievable for all Americans.

Learn how you too, can achieve the American dream.  FHA is your door to homeownership.
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Buying Your First Home

203(b) Mortgage Insurance

What is the purpose of this program?
To provide mortgage insurance for a person to purchase or refinance a principal residence. The mortgage loan is funded by a lending institution and the mortgage is insured by HUD.

What are the eligibility requirements?
  • The borrower must meet standard FHA credit qualifications.
  • The borrower is eligible for approximately 96.5% financing. The borrower is able to finance the upfront mortgage insurance premium into the mortgage. The borrower will also be responsible for paying an annual premium.
  • Eligible properties are one-to-four unit structures.
  • Mortgage limits vary by county in South Carolina. To find out the limit in your county please call us today!


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