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‍comfortably ‍pay. ​● ‍Debt-to-Income ‍Ratio ​(DTI): ​Lenders ‍typically ‍look ‍for ​a ​DTI ​ratio ‍of ‍36% ‍or ​lower. ‍This ​ratio ​compares ​your ‍monthly ‍debt ​payments ‍to ​your ‍monthly ‍income. ‍● ‍Down ​Payment: ​The ​larger ‍the ​down ​payment, ​the ‍lower ‍your ‍mortgage ​will ‍be./p> ‍● ​Interest ‍Rates ‍& ‍Loan ‍Terms: ‍Your ‍monthly ​payment ‍will ‍also ​depend ​on ‍the ‍interest ‍rate ​and ​the ​loan ‍ter","category":"pricing","question":"How do I determine how much home I can afford?"},{"answer":"Closing ‍costs ‍are ‍fees ‍associated ​with ​finalizing ​your ‍home ​purchase ​and ​typically ‍range ‍from ‍2-5% ​of ‍the ‍home’s ​purchase ‍price. ‍Common ‍closing ‍costs ‍include: ‍● ​Loan ‍Origination ‍Fees: ​Fees ​charged ‍by ‍the ‍lender ​for ​processing ​the ‍loan. ‍● ‍Title ​Insurance ‍& ​Search ​Fees: ​Protects ‍both ‍the ​buyer ‍and ​seller ‍from ‍any ‍potential ‍legal ​issues ​with ​the ‍title ​of ​the ​property. ‍● ‍Inspection ‍and ​Appraisal ‍Fees: ‍Fees ​for ‍the 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