What Homes Actually Cost 🏘️💶
**List Price vs. Monthly Payment**
Think a $400K home costs $400K? Not quite! Let’s break down what that really means for your monthly budget.
**The List Price Is Just the Start:**
Example: $400,000
That’s the sticker price — not your monthly cost! Your monthly payment depends on:
✅ Down payment
✅ Interest rate
✅ Taxes & insurance
✅ HOA (if any)
**Let’s Do the Math:**
Example: $400,000 home
10% Down: $40,000
Loan: $360,000 @ 6.5%
Mortgage: $2,275
Property Taxes: $400
Insurance: $125
HOA: $0–$300
Estimated Monthly Payment: $2,800–$3,100
It’s not just about affording the price tag — it’s about affording the monthly reality.
Let’s find a home that works for you!
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