HOMEBUYER LOAN RATES

Fixed Rate	4.625%	4.796% APR
FHA Plus	4.875%	5.049% APR
Homebuyer Tax Credit Plus First	4.875%	5.049% APR

Minimum Income Calculator

How much do you need to earn to buy a house? Use this calculator to help you figure out the approximate minimum income you’ll need to make your mortgage loan payments, based on the current interest rate.

VHDA's current Conventional Fixed interest rate is 4.625%.

Sale Price of Home:
Annual Property Tax:
Annual Homeowner's Insurance:
Monthly HOA Fee (if applicable):
Monthly Debt:

¹ Downpayment excludes closing costs and prepaids.

² Total monthly payment may vary depending on homeowners insurance, property tax, and mortgage insurance. The monthly payment displayed below (PITI) does not include monthly mortgage insurance.