2. Visit the website for the United States Department of Housing and Urban Development, where you will fi nd a calculator (http://www.hud.gov/buying/index

.cfm#aff ord) that helps you determine the amount you can aff ord for the purchase of a home given your income and funds available for a down payment, closing costs, and other home-buying expenses. Enter the data requested for your current situation. What does the calculator tell you about your housing aff ordability?

Change the entered data for some point in the future when you project a better fi nancial situation for yourself.

How do the results change?