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Realistic Mortgage Affordability Calculator Use a mortgage affordability calculator to get an idea of what you can afford, based on your income and debt payments, then compare that to your target number. As you’re doing the math, remember that credit matters for home affordability. A lower credit score could mean a higher interest rate on a mortgage.
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Tips for Buying a Home for Sale by Owner Offer less than list price. That way, negotiations can only go up. Write in contingencies. Make sure you have a way out of the transaction if you find physical defects. Determine who pays for what. There are no set rules here. Who pays for which fees is.