Home onwers how much hidden costs you are paying ?

[Thokkalee]

2 hours ago, FrontMan said:

Please fill the _____ $

 

Which state ? -----$

Combined family income (please also mention family size, if you don't mind) ?_______$

Total mortgage value ?________$

How much APR ? ________$

How much insurance / mortgage insurance ?________$

if HOA include it?_____________$

.. regular maintjanence cost?_________$

Annual property tax ?___________$

Other miscllenaous ?____________$

Average electricity bill + water + gas bill  (assuming multi family home) ?

___________$

Cost of internet.?_____________$

Security service cost per month ?__________$

 

All these combined are you able to save anything for vangaurd 529 plan etc ? _____________$

 

How much you are planning to save for kids education in 20 years from now ??

 

@csrcsr

[FrontMan]

16 minutes ago, LadiesTailor said:

Simple rule bro.. nee total income to 30 to 40% goes to mortgage.. aa rule satisfy ayuthe buy a home… Ledante you need to make adjustments to your life style to pay mortgage and other bills..

And your utilities will double… so you know how much it costs you 

HOA and other maintenance vuntayu.. 

 

On average if home cost is 750,000 what will be that 40% salary value ?

[LadiesTailor]

4 minutes ago, FrontMan said:

On average if home cost is 750,000 what will be that 40% salary value ?

Around 5k 

[AndhraneedSCS]

41 minutes ago, FrontMan said:

Sorry guys..new home buyer.. I am getting mixed mortgage pre-approval..want to make sure I can afford home with current interest rate or need to wait..

alantappudu nee details ichi, nee state, salary, ... can I afford ani adagali.

[FrontMan]

4 minutes ago, AndhraneedSCS said:

alantappudu nee details ichi, nee state, salary, ... can I afford ani adagali.

Roughly 130,000$ ..no side income..savings 48,000$

[AndhraneedSCS]

7 minutes ago, FrontMan said:

Roughly 130,000$ ..no side income..savings 48,000$

which state? 130,000 Gross income? or net?

[gudboy]

9 minutes ago, FrontMan said:

Roughly 130,000$ ..no side income..savings 48,000$

ide mari adigetappudu anni adugutharu cheppethapudu only salary cheptharu

[FrontMan]

8 minutes ago, AndhraneedSCS said:

which state? 130,000 Gross income? or net?

Gross ..before taxes ..state massachusetts

[Sonu_Patel]

29 minutes ago, FrontMan said:

Gross ..before taxes ..state massachusetts

what is the home price ? 

[Shameless]

3 hours ago, FrontMan said:

My 

Net income after taxes is  100,000$..with some 20,000$ side part time I am planning to commit ..

 

Please fill the _____ $

 

Which state ? -----$

Combined family income (please also mention family size, if you don't mind) ?_______$

Total mortgage value ?________$

How much APR ? ________$

How much insurance / mortgage insurance ?________$

if HOA include it?_____________$

.. regular maintjanence cost?_________$

Annual property tax ?___________$

Other miscllenaous ?____________$

Average electricity bill + water + gas bill  (assuming multi family home) ?

___________$

Cost of internet.?_____________$

Security service cost per month ?__________$

 

All these combined are you able to save anything for vangaurd 529 plan etc ? _____________$

 

How much you are planning to save for kids education in 20 years from now ??

 

 

 

 

 

 

 

I only thing I personally feel I am paying extra is mortgage insurance since my loan is FHA...rest everything is fine with me...I refinanced my home once...planning to refinance again coz planning to do some renovations to the house and want to take some equity..

[FrustratedVuncle]

3 hours ago, FrontMan said:

My 

Net income after taxes is  100,000$..with some 20,000$ side part time I am planning to commit ..

 

Please fill the _____ $

 

Which state ? -----$

Combined family income (please also mention family size, if you don't mind) ?_______$

Total mortgage value ?________$

How much APR ? ________$

How much insurance / mortgage insurance ?________$

if HOA include it?_____________$

.. regular maintjanence cost?_________$

Annual property tax ?___________$

Other miscllenaous ?____________$

Average electricity bill + water + gas bill  (assuming multi family home) ?

___________$

Cost of internet.?_____________$

Security service cost per month ?__________$

 

All these combined are you able to save anything for vangaurd 529 plan etc ? _____________$

 

How much you are planning to save for kids education in 20 years from now ??

 

 

 

 

 

 

 

Sorry anna kaliga unnam kani mari antha kaliga lemu. lol joke 

[DalchanChekka]

aa inka

[Ravi860]

15 minutes ago, Shameless said:

I only thing I personally feel I am paying extra is mortgage insurance since my loan is FHA...rest everything is fine with me...I refinanced my home once...planning to refinance again coz planning to do some renovations to the house and want to take some equity..

Mortgage insurance FHA only Em kadu kada.. one can also had to pay for conventional if downpayment is < 20%

[Telugodura456]

1 hour ago, FrontMan said:

Sorry guys..new home buyer.. I am getting mixed mortgage pre-approval..want to make sure I can afford home with current interest rate or need to wait..

first give your numbers. then peeople will share opinion on big or small. andharini details immante jankuthaaru.

[Shameless]

5 minutes ago, Ravi860 said:

Mortgage insurance FHA only Em kadu kada.. one can also had to pay for conventional if downpayment is < 20%

Conventional loan is only possible if downpayment is >20% kadha bro?  correct me if I am wrong