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Estimate the affordable monthly mortgage payment, the affordable mortgage amount, and the affordable home purchase price for the following situation. Use Exhibit 7-6, Exhibit 7-7. (Round your intermediate and final answers to the nearest whole dollar.) Monthly gross income Other debt (monthly payment) 25-year loan at Down payment to be made (percent of purchase price) Monthly estimate for property taxes and insurance $ 3,485 $ 245 7 percent 20 percent $ 190 Affordable monthly mortgage payment Affordable mortgage amount Affordable home purchase Exhibit 7-6 Housing Affordability and Mortgage Qualification Amount Example A Example B Step 1: Determine your monthly gross income (annual income divided by 12). $48,000 - 12 $48,000 = 12 Step 2: With a down payment of at least 5 percent, lenders use 33 percent of monthly gross income as a guideline for PITI (principal, interest, taxes, and insurance) and 38 percent of monthly gross income as a guideline for PITI plus other debt payments. $ 4,000 x 0.38 $ 1.520 $ 4,000 x 0.33 $ 1,320 Step 3: Subtract other debt payments (e.g., payments on an auto loan) and an estimate of the monthly costs of property taxes and homeowner's insurance. -380 -300 -300 (a) Affordable monthly mortgage payment $ 840 $ 1,020 Step 4: Divide this amount by the monthly mortgage payment per $1,000 based on current mortgage rates-an 8 percent, 30-year loan, for example (see Exhibit 7-7)- and multiply by $1,000 - $ 7.34 x $ 1.000 $ 7.34 x $1,000 (b) Affordable mortgage amount $114,441 $ 138,965 +0.9 +0.9 Step 5: Divide your affordable mortgage amount by 1 minus the fractional portion of your down payment (e.g., 1 - 0.1 with a 10 percent down payment). (c) Affordable home purchase price $127.157 $154,405 Term Rate 30 Years 20 Years 15 Years $4.22 $6.91 Exhibit 7-7 Mortgage Payment Factors (principal and interest factors per $1,000 of loan amount) 3.0% 3.5 25 Years $4.74 5.01 5.28 $5.55 5.80 4.49 7.15 4.0 4.77 6.06 7.40 4.5 5.07 5.56 6.33 7.65 5.0 5.37 5.85 7.91 6.60 6.88 5.5 5.68 6.14 8.17 6.0 6.00 6.44 7.16 8.44 6.5 6.32 6.75 7.46 8.71 7.0 6.65 7.07 7.75 8.99 7.5 6.99 7.39 8.06 9.27 8.0 7.34 7.72 8.36 9.56