$700K home with only 3% down — here’s the income math How much income do you really need to buy a $700,000 home with just 3% down? This is a realistic example using a conventional loan to show: • monthly payment • mortgage insurance • and the income lenders actually look for This is an example only — not a rate quote. Numbers vary by credit, rates, taxes, insurance, and debt. If you’re trying to understand what you can actually afford, hope this helps. Happy to be a resource. Jeff Thornton Seatt

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