I saw a personal finance piechart. House 35%, something(?) 15%, etc. Can anyone help me with the rest?
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This isn't perfect or exact but this should be a pretty close representation of a typical family:\n\nhttp://www.bls.gov/ro9/cexphoe.htm\n\nIf you're in California or the east coast then I'd expect housing to be a lot closer to 50%-60% of income.
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It sounds like you are referring to a  "net worth" calculaton. Obviously .....the higher it is...the better shape you are in. You certainly want it to be a + number. There are alot of people in this country that have a negative "net worth"
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The highest as of right now is around 5.46%, but it has a minimum of 10k.  This is at Countrywide in CA.\n\nBankrate typically lists quite a few.
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OOh! I've got a great website for this. Go to www.dinkytown.com and there are calculators for everything! You can use the mortgage calculators to find out payment amounts, how much you can afford, etc. there's hunreds of different ones. While you're there check out the other calculators like the one where you find out how much you need to save to be a millionaire by a certain age! You'll love it!
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Not a problem:\nhttp://www.mortgage-calc.com/\n\nQuick, easy calculator
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Let me tell you the minus part-\n\nBought my grandmas home valued at $595K, took out a loan for 436,000.  Plumbing was $6000 off the bat, interior painting, wall paper removal $1500.  Tons of homes in her area have come up for sale 495K-630K, and a few closed after 3+ months for sale.  Decided to rent the place for $2200, loan is $1750, insurance $90, and property tax is a mess right now.  Rent not covering the PITI ( even on neg am loan).  Gardner's raised fee due to gas, I pay water and trash. \n\nIf I sell, I am subject to capital gains on any money I make.  Based on price I paid, that was never disclosed cause there was no contract I am in a bit of a mess.  They can actually base my capital gains off the price my grandma paid on the home $19,000.\n\nUnless your related to Donald Trump, I would stay away from the real estate investing until you get a grasp on the entire picture.  I am finding it incredibly hard to remember what the basis was for deciding to take on another property.  Even with my own personal income 10K month, & rent for the home I am finding it necessary to balance my checkbook for the first time in my life.  It may turn out great down the road.  To date, its taken entire days away from my regular job, required more up front money then budgeted, caused a potential tax mess, and the worse time to try and sell in a historically desirable neighborhood of custom homes.
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There are an array of real estate calculators available:\n\n RealEstate ABC Calculator Suite\n\nA group of five calculators we've programmed for our users.  These calculators cover most everything you will need to plan for home ownership..\n\n \n\nMortgage Payment Calculator\n\nCalculates mortgage payment and creates amortization tables.\n\n \n\nPITI - Cost of Ownership - Tax Savings\n\nShows your total annual cost including many variables, then shows you how a "revised" cost that includes what tax benefits you receive from home ownership.\n\n \n\nAffordability / Qualifier Calculator\n\nYou input your income, debt, down payment, and calculate what price home you can afford.  The interest rate and debt-to-income ratios are variable and allow you to "play" with different scenarios.\n\n \n\nRent vs. Own Calculator\n\nAllows you to calculate whether it makes more sense for you to buy or rent, and is very flexible - even allowing you to determine the savings rate (opportunity cost) if you invested your extra money.\n\n \n\nRange of Purchase Calculator\n\nDetermine your purchase range with a minimum and maximum payment under different down payment scenarios.\n\n \n\nRelocation Calculators\n\n \n\nCost of Living Calculator\n\nIf you're moving from one area of the country, do you need to make more or less to maintain your current lifestyle?  This calculator lets you know.\n\n \n\nSalary Wizard\n\nAt your education and skill level, what does your profession earn in the area you're moving to?\n\n \n\nHugh's Calculator Suite\n\nA group of three simple calculators programmed in the early days of the web by a guy named Hugh. \n\n \n\nMortgage Payment Calcultor\n\nCalculates mortgage payments.\n\n \n\nMulti-Payment Calculator\n\nCalculates mortgage payments for three different scenarios at once.\n\n \n\nPITI Calculator\n\nSame as the mortgage calculator but allows you to input taxes and insurance - so that you know your monthly housing obligation.\n\n \n\nMortgage Internet Technologies Suite\n\nThe Super-Calculator can accomplish all of these but the bi-weekly calculation and the investment calculation, but we decided to include them anyway, with permission of the creators.\n\n \n\nPrincipal After X Years\n\nPerhaps you plan to sell this home in five years and want to know what your mortgage balance will be at that time.\n\n \n\nPrincipal Prepayment Calculator\n\nThis mortgage calculator tells you when your normal payoff would be and when it would be if you paid a specific extra amount each month.\n\n \n\nPrepayment Analysis Calculator\n\nSuppose you want to pay off your mortgage in a specific period of time.  How much should you pay monthly to accomplish your goal?\n\n \n\nPrepay Principal or Invest the Money?\n\nThis calculator will help you make the decision on whether it makes more sense for you financially to pay down your mortgage or put some money away in financial investments of various kinds.\n\n \n\nBi-Weekly Mortgage Calculator\n\nA bi-weekly mortgage is basically the same as making one extra mortgage payment a year.  This calculator tells you how quickly you would pay off your mortgage if you were making the payments once every two weeks instead of once a month.
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Do you mean a pie chart? if so the whole is 100% and the wedges display relative percentages in an intuitive way.
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$5,874.75\n\n$63000 x 37.3% / 4
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My husband and I were truly blessed we we bought our home. There is a program called Ameridream and if you are a first time homebuyer or a minority, the government will cover your downpayment. No gimmicks or paypacks. It was awesome. We saved 5k on the downpayment. We got an interest rate of like 6% and if we did a 80/20 the rate would have been 7.5%.
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5.75%\n\nMatt \nhttp://www.diversifiedlender.com\nhttp://www.homemortgageminnesota.com/\nhttp://www.refinance-second-mortgage.biz\nhttp://www.minnesota-mortgage-rates.net
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This might help some I don't know.  It has to do with loans.\n\nUnderstanding the qualifying ratio\n\nTypically conventional loans have a qualifying ratio of 28/36. Usually an FHA loan will allow for a higher debt load, reflected in a higher (29/41) qualifying ratio.\n\n \n\nThe first number in a qualifying ratio is the maximum percentage of your gross monthly income that can be applied to housing (including loan principal and interest, private mortgage insurance, hazard insurance, property taxes and homeowner's association dues).\n\n \n\nThe second number is the maximum percentage of your gross monthly income that can be applied to housing expenses and recurring debt. Recurring debt includes things like car loans, child support and monthly credit card payments.\n\n \n\n \n\nFor example:  \n\n \n\nWith a 28/36 qualifying ratio:\n\n \n\nGross monthly income of $3,500 x .28 = $980 can be applied to housing\nGross monthly income of $3,500 x .36 = $1,260 can be applied to recurring debt plus housing expenses\n \n\nWith a 29/41 qualifying ratio: \n\nGross monthly income of $3,500 x .29 = $1,015 can be applied to housing\nGross monthly income of $3,500 x .41 = $1,435 can be applied to recurring debt plus housing expenses
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If you have Excel, try this formula.\n\n=PMT(.178/12,36,2494)\n\nArguments are nominal interest rate divided by twelve, 36 months, loan value.\n\n$89.91 monthly payment
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and here is another....you can do prepayment savings analysis on this one too!!  Enjoy\n\nhttp://www.jeacle.ie/mortgage/
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The non-profit site Bankrate.com has lots of great financial info and advice on all sorts of things from investing to real estate to banking and credit debt counseling.  I used it extensively during my house-buying process.  There are calculators that are quite useful.
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The rule of thumb is 50%.  However, if the borrower is frugal and isn't burdened with debt, perhaps they can get away with a higher percentage.  It's just a matter of convincing the lender.
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15% of available income.  i am a car dealer.  take your gross income(before taxes), then take out your mortgage or rent, and other car or large loan payments, that is your available income