Browse all current guides
This archive lists the editorial articles and in-depth guides available across Homeownership Numbers. Category pages and calculators are organized separately in the main navigation.
Mortgage guides
$250,000 Mortgage Payment
An illustrative principal-and-interest example for a $250,000 loan.
$400,000 Mortgage Payment
An illustrative principal-and-interest example for a $400,000 loan.
What Is Included in a Mortgage Payment?
Understand PITI, escrow, PMI, and costs outside the mortgage.
How Interest Rates Affect Mortgage Payments
Explore how rates change amortized monthly payments.
Fixed-Rate vs. Adjustable-Rate Mortgages
Compare predictable fixed rates with adjustable-rate structures.
What Factors Affect Mortgage Rates?
Learn about borrower, loan, property, and market factors.
Home buying guides
How Much House Can I Afford With a $60,000 Salary?
A transparent, hypothetical affordability scenario.
Can I Buy a House With a 650 Credit Score?
A credit-score scenario without approval guarantees.
First-Time Home Buyer Guide: Step by Step
A practical guide from preparation through closing.
Educational information only. Homeownership Numbers is not a lender, mortgage broker, financial adviser, tax professional, insurance company, or government agency. This page is not personalized financial, legal, tax, insurance, or lending advice. Program terms and local rules can change; verify details with current official sources and qualified professionals.