Just make sure youre ready to go either way. Or look for a smaller starter home in a more affordable neighborhood. With that emergency fund in place, youll be ready to take care of your home without slipping back into debt. That starts with getting out of debt. In most areas, youll need to stay in a house for two to three years to make buying worth the up-front costs. Buying a home is a huge decision, and picking the right mortgage is a huge part of that process! Follow these guidelines, and your first home will be a decision you're proud of, not one you regret. And that assumes your first home never went up in value over the course of 10 years! But any changes in your financial situation can jeopardize your loan process. The home-buying process may not be easy, but having a beautiful new home to call your own is worth it in the end. If you have any debt, hands down the smartest thing you can do is pay it off before saving for a down payment. When you think youre ready to buy a house, start saving for one. Lets say you earn $5,000 a month (after taxes). For reference: Youre only ready if youre debt-free and have an emergency fund of 36 months of living expenses. Like with any task that seems impossible, try breaking down saving for a house into smaller steps. You can afford monthly mortgage payments and home maintenance. Keep in mind: No credit isnt the same as bad credit. Whoathose are a lot of variables! Real quick, lets get something straight. The main requirements to buy a house include a down payment, money for closing costs and proof that a lender can trust you to make mortgage payments. After youve been preapproved for a mortgage, youre ready for the fun part: shopping for your perfect home! People tend to spend more with a card swipe, but having a limited amount of cash makes you think more before every purchase. Their hard work and patience paid off. and keep them in debt for decades longer than they have to be! As you can see from the results,how much house you can afford really depends on the relationship between yourincomeand themortgage. We only recommend agents who truly care about your financial path and wont push you to overspend on a house so they can bring home a bigger commission check. Take Money Out of My Investments to Buy a House? - YouTube Knowing how to save a down payment while renting may be just the motivation you need to reach your housing goals. If you crunch the numbers, youll realize these mortgages charge you tens of thousands of dollars more in interest and fees. And for you married folks, make sure you and your spouse look at the resultstogether. Keep in mind: Saving a down payment is not the same as investing for retirement. And when you throw a crazy real estate market on top of it, shopping for a home can feel like buckling up for an emotional roller coaster. Copyright 2023 Market Realist. Ahh. Whatever you do, never buy a house with a monthly payment thats more than 25% of your monthly take-home pay on a 15-year fixed-rate mortgage (which has the overall lowest total cost). Set a plan and focus on your milestones, and youll have that down payment before you know it. Lenders often use the28/36 ruleas a sign of a healthy DTImeaning you wont spend more than 28% of your gross monthly income on mortgage payments and no more than 36% of your income on total debt payments (including a mortgage, student loans, car loans and credit card debt). Super convenient! It may sound intimidating to save for something as expensive as a houseespecially while renting. Buying and selling a house is an expensive process, so youll want to live in that area for the next 57 years. If youre in the military or you dont plan to stay long in an area, its smarter to rent. Thats why you want to be absolutely sure youre ready tobuy a house. But youre paying to live somewhere. And stay away from expensive loans like FHA, VA and USDA. Youre ready to buy if youre debt-free, have a full emergency fund and enough cash for a down payment, and know your mortgage payment wont cost more than 25% of your take-home pay. . All Rights Reserved. To save yourself the time and headache of doing a ton of math, use our handy-dandymortgage calculator. "You're trading one . All rights reserved. As with any relationship, acting impulsively is never a smart move. With real estate, youre way better off buying the right home at the right timenot buying a house based solely on the market. 1. But our home affordability calculator will help you calculate a budget that will work for you. With your income freed from debt payments and an emergency fund to protect you from lifes unexpected surprises, you can save for a house much faster. There are alsoclosing coststo consider. Hang in there, and dont compromise on your must-haves. Youd still be doing way better than most folks today! Hows that for being a smart shopper? All rights reserved. Lets say you want to buy a $200,000 house. . Have an emergency fund of 36 months of expenses, Have a down payment of 20% or more (510% is okay for first-time home buyers). Dont forget: Buying a house also means youll be moving! Thats why we created our RamseyTrusted program. (By the way, under contract means the seller has accepted your offer but nothing is final yet.) Just imagine how awesome life will be when you have no bills and a paid-for home. If you saved $20,000 a year for four more years, youd have $80,000 in the bank, plus $120,000 in equityenough to pay cash for a $200,000 home. I want your home to be a blessing, not a curse. Thats okay! If the appraisal comes in lower than your offer price, your real estate agent can provide the best guidance for what to do next. But if youre planning to buy a house in the near future, its okay to hold off on your retirement savings and put that money toward your down payment. Start Ramsey+ for free: https://bit.ly/35ufR1qVisit the Dave Ramsey store today . Just like any goal, buying a home the smart way takes planning and preparation. And stay away from expensive loans like FHA, VA and USDA. Use our mortgage calculator to try out different home prices within your budget. For the approval process, organize all the documents you need to get a mortgage so theyre easily available for your lender. Set a down payment goal and save like crazy for a year or two. Yikes. But really, you dont need a credit score to buy a house. If youve been living a debt-free lifestyle, you probably dont even have a credit scoreand thats a good thing! House hunting involves more than clicking through pretty pictures. I want to show you how our home affordability calculator can help you figure out how much you should spend on a house. At Ramsey Solutions, we also teach people they cant afford to buy a house until they: Why is all this important? Here are the top things to consider. Dont worryweve got you covered! Should I Rent or Buy a House? - Ramsey - Ramsey Solutions But with a plan and some grit, youll be amazed at what you can accomplish! A good real estate agent will give you advice about when to give in and when to hold firm. Here are some other ideas to help you save money fast. Work your way up She has appeared on Good Morning America and Fox News and has been featured in publications such as Time, Real Simple and Womens Health magazines. Home prices arent going to go down. Your emergency fund of 36 months of expenses can cover major home disasters. Rather, he's a huge advocate of making a 100% down payment -- and avoiding a mortgage altogether. It might hurt, but keep your mind on your whyhome sweet home. Keep in mind: Saving a down payment is not the same as investing for retirement. That means paying for repairs is your responsibility. Whether you should buy or rent a house depends on your financial situation and personal goalsnothing else. Here are seven things to check off your list before youre ready to buy a house: Still not sure? Because the biggest expenses that get in the way of people saving for a home purchase are all debt-related: student loans, credit card debt and car loans.3 The absolute best way to free up your income for savings is to pay off debt as fast as possible. Just be aware that these can change before its time to close on your home. Deciding whether or not to buy a house isnt an easy choice. Try these smart ways to save for a home down payment. The sellers want to sell their house, and you want to buy it! If you dont have the additional $8,000 for closing costs, you should hold off on your home purchase until youve saved up the extra cash or shoot a little lower on your home price range. The Latest News on Student Loan Forgiveness. Thats why getting the right mortgage is so important. Wondering if youre ready to buy a house? Last year, they sold their honeymoon cottage for $64,000! Once you sign all the paperwork, its time to breathe a sigh of relief. What types of home buyers do they normally work with? The truth is, not everyone should buy a house. Just make sure this is only a quick detour (like a year or two)not a five-year pause. Because when life happens, an unexpected expense or a job loss could crush someone financially if theyrealsotrying to get out of debtandpay a mortgage. The first step to budgeting for a house is to know how much down payment you need. And its nonsense! HOA fees are for community maintenance and upgrades. Thats why getting the right mortgage is so important. If you can save 20% for a down payment, you wont have to pay private mortgage insurance (PMI)which could save you a couple hundred bucks a month. Knowing what you and your spouse want will help with the selection process. Whew! What a great question! Now that you know where youre headed, its time to decide how youre going to get there. Remember, short-term pain brings long-term gain. The truth is, taking control of your money is the most grown-up thing you can do. 3. Are larger down payments always better? For first-time home buyers, we recommend at least a 510% down payment on a 15-year fixed-rate mortgage. Well go over things like figuring out if youre ready to buy, saving for a down payment, and getting preapproved for a mortgage. Not only will you get hit with taxes and early withdrawal penalties, but youll also tank the long-term growth of your retirement savingscosting you hundreds of thousands of dollars at retirement. A down payment is your stake in the ground, your first leap into homeownership. Home prices arent going to go down, Ramsey said on The Ramsey Show in June. Dont let your lender decide your home-buying budget. Is This A Good Time For Me To Buy A House?Say goodbye to debt forever. Ever heard someone say everyone should buy a house? .DownPayment-radio-button+p,.MortgageType-radio-button+p,.rds-Button,input[class=DownPayment-radio-button]:checked+p,input[class=DownPayment-radio-button]:focus+p,input[class=DownPayment-radio-button]:hover+p,input[class=MortgageType-radio-button]:checked+p,input[class=MortgageType-radio-button]:focus+p,input[class=MortgageType-radio-button]:hover+p{box-sizing:border-box;display:inline-flex;align-items:center;flex-shrink:0;justify-content:center;transition:background-color .3s cubic-bezier(.19,1,.22,1),border-color .3s cubic-bezier(.19,1,.22,1),color .3s cubic-bezier(.19,1,.22,1);border:2px solid transparent;border-radius:4px;box-shadow:none;background-color:var(--rds-button-background-color,#0073b9);cursor:pointer;padding:6px 16px;width:auto;text-align:center;text-indent:0;text-transform:none;text-decoration:none;text-shadow:none;line-height:24px;letter-spacing:normal;color:var(--rds-button-text-color,#fff);font-family:canada-type-gibson,Arial,sans-serif;font-size:16px;font-weight:600;font-style:normal;word-break:break-word}.DownPayment-radio-button+p:active:not([disabled]),.DownPayment-radio-button+p:focus:not([disabled]),.DownPayment-radio-button+p:hover:not([disabled]),.MortgageType-radio-button+p:active:not([disabled]),.MortgageType-radio-button+p:focus:not([disabled]),.MortgageType-radio-button+p:hover:not([disabled]),.rds-Button:active:not([disabled]),.rds-Button:focus:not([disabled]),.rds-Button:hover:not([disabled]),input[class=DownPayment-radio-button]:checked+p:active:not([disabled]),input[class=DownPayment-radio-button]:checked+p:focus:not([disabled]),input[class=DownPayment-radio-button]:checked+p:hover:not([disabled]),input[class=DownPayment-radio-button]:focus+p:active:not([disabled]),input[class=DownPayment-radio-button]:focus+p:focus:not([disabled]),input[class=DownPayment-radio-button]:focus+p:hover:not([disabled]),input[class=DownPayment-radio-button]:hover+p:active:not([disabled]),input[class=DownPayment-radio-button]:hover+p:focus:not([disabled]),input[class=DownPayment-radio-button]:hover+p:hover:not([disabled]),input[class=MortgageType-radio-button]:checked+p:active:not([disabled]),input[class=MortgageType-radio-button]:checked+p:focus:not([disabled]),input[class=MortgageType-radio-button]:checked+p:hover:not([disabled]),input[class=MortgageType-radio-button]:focus+p:active:not([disabled]),input[class=MortgageType-radio-button]:focus+p:focus:not([disabled]),input[class=MortgageType-radio-button]:focus+p:hover:not([disabled]),input[class=MortgageType-radio-button]:hover+p:active:not([disabled]),input[class=MortgageType-radio-button]:hover+p:focus:not([disabled]),input[class=MortgageType-radio-button]:hover+p:hover:not([disabled]){background-color:var(--rds-button-background-color-interactive,#005b98);color:#fff}.DownPayment-radio-button+p.on-darkCanvas,.MortgageType-radio-button+p.on-darkCanvas,.rds-Button.on-darkCanvas,input[class=DownPayment-radio-button]:checked+p.on-darkCanvas,input[class=DownPayment-radio-button]:focus+p.on-darkCanvas,input[class=DownPayment-radio-button]:hover+p.on-darkCanvas,input[class=MortgageType-radio-button]:checked+p.on-darkCanvas,input[class=MortgageType-radio-button]:focus+p.on-darkCanvas,input[class=MortgageType-radio-button]:hover+p.on-darkCanvas{background-color:#fff;color:var(--rds-button-background-color,#0073b9)}.DownPayment-radio-button+p.on-darkCanvas:active:not([disabled]),.DownPayment-radio-button+p.on-darkCanvas:focus:not([disabled]),.DownPayment-radio-button+p.on-darkCanvas:hover:not([disabled]),.MortgageType-radio-button+p.on-darkCanvas:active:not([disabled]),.MortgageType-radio-button+p.on-darkCanvas:focus:not([disabled]),.MortgageType-radio-button+p.on-darkCanvas:hover:not([disabled]),.rds-Button.on-darkCanvas:active:not([disabled]),.rds-Button.on-darkCanvas:focus:not([disabled]),.rds-Button.on-darkCanvas:hover:not([disabled]),input[class=DownPayment-radio-button]:checked+p.on-darkCanvas:active:not([disabled]),input[class=DownPayment-radio-button]:checked+p.on-darkCanvas:focus:not([disabled]),input[class=DownPayment-radio-button]:checked+p.on-darkCanvas:hover:not([disabled]),input[class=DownPayment-radio-button]:focus+p.on-darkCanvas:active:not([disabled]),input[class=DownPayment-radio-button]:focus+p.on-darkCanvas:focus:not([disabled]),input[class=DownPayment-radio-button]:focus+p.on-darkCanvas:hover:not([disabled]),input[class=DownPayment-radio-button]:hover+p.on-darkCanvas:active:not([disabled]),input[class=DownPayment-radio-button]:hover+p.on-darkCanvas:focus:not([disabled]),input[class=DownPayment-radio-button]:hover+p.on-darkCanvas:hover:not([disabled]),input[class=MortgageType-radio-button]:checked+p.on-darkCanvas:active:not([disabled]),input[class=MortgageType-radio-button]:checked+p.on-darkCanvas:focus:not([disabled]),input[class=MortgageType-radio-button]:checked+p.on-darkCanvas:hover:not([disabled]),input[class=MortgageType-radio-button]:focus+p.on-darkCanvas:active:not([disabled]),input[class=MortgageType-radio-button]:focus+p.on-darkCanvas:focus:not([disabled]),input[class=MortgageType-radio-button]:focus+p.on-darkCanvas:hover:not([disabled]),input[class=MortgageType-radio-button]:hover+p.on-darkCanvas:active:not([disabled]),input[class=MortgageType-radio-button]:hover+p.on-darkCanvas:focus:not([disabled]),input[class=MortgageType-radio-button]:hover+p.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.9019607843137255);color:var(--rds-button-background-color,#0073b9)}.rds-Button--alternate,.rds-Button--alternate.on-darkCanvas{background-color:var(--rds-button-alternate-background-color,#fcd214);color:var(--rds-button-alternate-text-color,#003561)}.rds-Button--alternate.on-darkCanvas:active:not([disabled]),.rds-Button--alternate.on-darkCanvas:focus:not([disabled]),.rds-Button--alternate.on-darkCanvas:hover:not([disabled]),.rds-Button--alternate:active:not([disabled]),.rds-Button--alternate:focus:not([disabled]),.rds-Button--alternate:hover:not([disabled]){background-color:var(--rds-button-alternate-background-color-interactive,#ffe45e);color:var(--rds-button-alternate-text-color,#003561)}.DownPayment-radio-button+p,.MortgageType-radio-button+p,.rds-Button--ghost{border-color:var(--rds-button-background-color,#0073b9);background-color:transparent;color:var(--rds-button-background-color,#0073b9)}.DownPayment-radio-button+p.on-darkCanvas,.MortgageType-radio-button+p.on-darkCanvas,.rds-Button--ghost.on-darkCanvas{border-color:#fff;background-color:transparent;color:#fff}.DownPayment-radio-button+p.on-darkCanvas:active:not([disabled]),.DownPayment-radio-button+p.on-darkCanvas:focus:not([disabled]),.DownPayment-radio-button+p.on-darkCanvas:hover:not([disabled]),.MortgageType-radio-button+p.on-darkCanvas:active:not([disabled]),.MortgageType-radio-button+p.on-darkCanvas:focus:not([disabled]),.MortgageType-radio-button+p.on-darkCanvas:hover:not([disabled]),.rds-Button--ghost.on-darkCanvas:active:not([disabled]),.rds-Button--ghost.on-darkCanvas:focus:not([disabled]),.rds-Button--ghost.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.10196078431372549);color:#fff}.DownPayment-radio-button+p:active:not([disabled]),.DownPayment-radio-button+p:focus:not([disabled]),.DownPayment-radio-button+p:hover:not([disabled]),.MortgageType-radio-button+p:active:not([disabled]),.MortgageType-radio-button+p:focus:not([disabled]),.MortgageType-radio-button+p:hover:not([disabled]),.rds-Button--ghost:active:not([disabled]),.rds-Button--ghost:focus:not([disabled]),.rds-Button--ghost:hover:not([disabled]){background-color:var(--rds-button-transparent-background-color-interactive,rgba(0,115,185,.1));color:var(--rds-button-background-color,#0073b9)}.rds-Button--subtle{background-color:transparent;color:var(--rds-button-background-color,#0073b9)}.rds-Button--subtle.on-darkCanvas{background-color:transparent;color:#fff}.rds-Button--subtle.on-darkCanvas:active:not([disabled]),.rds-Button--subtle.on-darkCanvas:focus:not([disabled]),.rds-Button--subtle.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.10196078431372549);color:#fff}.rds-Button--subtle:active:not([disabled]),.rds-Button--subtle:focus:not([disabled]),.rds-Button--subtle:hover:not([disabled]){background-color:var(--rds-button-transparent-background-color-interactive,rgba(0,115,185,.1));color:var(--rds-button-background-color,#0073b9)}.rds-Button--danger{background-color:#e64b40;color:#fff}.rds-Button--danger.on-darkCanvas{background-color:#fff;color:#e64b40}.rds-Button--danger.on-darkCanvas:active:not([disabled]),.rds-Button--danger.on-darkCanvas:focus:not([disabled]),.rds-Button--danger.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.9019607843137255);color:#e64b40}.rds-Button--danger:active:not([disabled]),.rds-Button--danger:focus:not([disabled]),.rds-Button--danger:hover:not([disabled]){background-color:#cc392f;color:#fff}.rds-Button--dangerSubtle{background-color:transparent;color:#e64b40}.rds-Button--dangerSubtle.on-darkCanvas{background-color:#fff;color:#e64b40}.rds-Button--dangerSubtle.on-darkCanvas:active:not([disabled]),.rds-Button--dangerSubtle.on-darkCanvas:focus:not([disabled]),.rds-Button--dangerSubtle.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.9019607843137255);color:#e64b40}.rds-Button--dangerSubtle:active:not([disabled]),.rds-Button--dangerSubtle:focus:not([disabled]),.rds-Button--dangerSubtle:hover:not([disabled]){background:rgba(230,75,64,.1);color:#e64b40}.rds-Button--neutralSubtle{background-color:transparent;color:#1f2426}.rds-Button--neutralSubtle.on-darkCanvas{background-color:transparent;color:#fff}.rds-Button--neutralSubtle.on-darkCanvas:active:not([disabled]),.rds-Button--neutralSubtle.on-darkCanvas:focus:not([disabled]),.rds-Button--neutralSubtle.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.10196078431372549);color:#fff}.rds-Button--neutralSubtle:active:not([disabled]),.rds-Button--neutralSubtle:focus:not([disabled]),.rds-Button--neutralSubtle:hover:not([disabled]){background-color:rgba(232,236,237,.4392156862745098);color:#1f2426}.rds-Button--small{padding:6px 16px;line-height:16px;font-size:14px}.DownPayment-radio-button+p,.rds-Button--large{padding:6px 24px;line-height:32px;font-size:18px}.rds-Button--xlarge{padding:6px 32px;line-height:40px;font-size:20px}.rds-Button--fullWidth{width:100%}.rds-Button--iconOnly{padding:10px}.rds-Button--iconOnly.rds-Button--small{padding:6px}.DownPayment-radio-button+p.rds-Button--iconOnly,.rds-Button--iconOnly.rds-Button--large{padding:10px}.rds-Button--iconOnly.rds-Button--xlarge{padding:14px}.rds-Button-icon{flex-shrink:0;pointer-events:none}.rds-Button-icon--left{margin-right:8px}.rds-Button-icon--right{margin-left:8px}.DownPayment-radio-button+p[disabled],.MortgageType-radio-button+p[disabled],.rds-Button[disabled],input[class=DownPayment-radio-button]:checked+p[disabled],input[class=DownPayment-radio-button]:focus+p[disabled],input[class=DownPayment-radio-button]:hover+p[disabled],input[class=MortgageType-radio-button]:checked+p[disabled],input[class=MortgageType-radio-button]:focus+p[disabled],input[class=MortgageType-radio-button]:hover+p[disabled]{cursor:not-allowed!important}.DownPayment-radio-button+p.is-disabled,.DownPayment-radio-button+p[disabled],.MortgageType-radio-button+p.is-disabled,.MortgageType-radio-button+p[disabled],.rds-Button.is-disabled,.rds-Button[disabled],input[class=DownPayment-radio-button]:checked+p.is-disabled,input[class=DownPayment-radio-button]:checked+p[disabled],input[class=DownPayment-radio-button]:focus+p.is-disabled,input[class=DownPayment-radio-button]:focus+p[disabled],input[class=DownPayment-radio-button]:hover+p.is-disabled,input[class=DownPayment-radio-button]:hover+p[disabled],input[class=MortgageType-radio-button]:checked+p.is-disabled,input[class=MortgageType-radio-button]:checked+p[disabled],input[class=MortgageType-radio-button]:focus+p.is-disabled,input[class=MortgageType-radio-button]:focus+p[disabled],input[class=MortgageType-radio-button]:hover+p.is-disabled,input[class=MortgageType-radio-button]:hover+p[disabled]{opacity:.4!important;user-select:none!important}a.rds-Button.is-disabled{pointer-events:none!important}.DownPayment{display:flex;justify-content:space-between;flex-direction:column}.DownPayment-label{display:flex;margin-bottom:0;padding-bottom:8px}.DownPayment-tooltip{margin-left:8px}.DownPayment-radio{display:flex;justify-content:space-around}@media (max-width:280px){.DownPayment-radio{flex-direction:column}}.DownPayment-radio-button+p{padding:16px;box-shadow:0 6px 16px rgba(31,36,38,.14901960784313725);border-color:#e8eced}@media (max-width:37.5em){.DownPayment-radio-button+p{font-size:16px;padding:12px}}.DownPayment-amount{margin-top:16px}.DownPayment-amountInput{font-weight:600;font-size:28px}@media (max-width:56.25em){.DownPayment-amountInput{font-size:20px}}input[class=DownPayment-radio-button]:checked+p,input[class=DownPayment-radio-button]:focus+p,input[class=DownPayment-radio-button]:hover+p{background-color:#0073b9;color:#fff;font-size:18px}@media (max-width:37.5em){input[class=DownPayment-radio-button]:checked+p,input[class=DownPayment-radio-button]:focus+p,input[class=DownPayment-radio-button]:hover+p{font-size:16px;padding:12px}}#hmhcia-form-id input[type=radio]{appearance:none;-webkit-appearance:none;-moz-appearance:none;border-color:#fff;display:none}.radio-label{display:flex}input[class=MortgageType-radio-button]:checked+p,input[class=MortgageType-radio-button]:focus+p,input[class=MortgageType-radio-button]:hover+p{background-color:#0073b9;color:#fff}.MortgageType-field{padding:16px 0 0}.MortgageType-tooltip{margin-left:8px}.MortgageType-radio{display:flex;justify-content:space-between}.MortgageType-radio-button+p{box-shadow:0 6px 16px rgba(31,36,38,.14901960784313725);border-color:#e8eced}@media (max-width:37.5em){.MortgageType-radio{flex-direction:column}}@media (max-width:37.5em){.MortgageType-radio-label{padding-bottom:8px}}.MortgageType-label{display:flex;margin-bottom:0;padding-bottom:8px}.MonthlySalary{padding-bottom:32px}.MonthlySalary-label{padding-bottom:8px}.MonthlySalary-inputSection{display:flex}.in-modeMergeable .gzl-Input input{border-right:0;border-top-right-radius:0;border-bottom-right-radius:0}.in-modeMergeable .DownPayment-radio-button+p,.in-modeMergeable .MortgageType-radio-button+p,.in-modeMergeable .rds-Button,.in-modeMergeable input[class=DownPayment-radio-button]:checked+p,.in-modeMergeable input[class=DownPayment-radio-button]:focus+p,.in-modeMergeable input[class=DownPayment-radio-button]:hover+p,.in-modeMergeable input[class=MortgageType-radio-button]:checked+p,.in-modeMergeable input[class=MortgageType-radio-button]:focus+p,.in-modeMergeable input[class=MortgageType-radio-button]:hover+p{border-top-left-radius:0;border-bottom-left-radius:0}.InterestRate{padding-bottom:32px}.InterestRate-label{display:flex;margin-bottom:0;padding-bottom:8px}.PMIField{padding:32px 0}.PMIField-label{display:flex;margin-bottom:0;padding-bottom:8px}.PropertyTaxField{padding-bottom:32px}.PropertyTaxField-label{display:flex;margin-bottom:0;padding-bottom:8px}.HOAField{padding-bottom:32px}.HOAField-label{display:flex;margin-bottom:0;padding-bottom:8px}.InsuranceField{padding-bottom:32px}.InsuranceField-label{display:flex;margin-bottom:0;padding-bottom:8px}.Results{background-color:#f5f7f8;padding-bottom:8px}.Results-header{padding-top:1rem;font-size:20px!important}.Results-headerToolTip{margin-left:8px;margin-top:24px}.Results-container{overflow:hidden;margin:24px}.Results-headerContainer{display:flex;position:relative}.Results-infoContainer{text-align:center;padding-bottom:16px}.Results-value{font-size:72px;margin-bottom:0}@media (max-width:56.25em){.Results-value{font-size:60px}}@media (max-width:37.5em){.Results-value{font-size:48px}}.Results-subValue{font-size:48px;margin-bottom:0}@media (max-width:56.25em){.Results-subValue{font-size:40px}}@media (max-width:37.5em){.Results-subValue{font-size:34px}}.Results-cta{align-content:center;align-items:center;text-align:center;margin:8px;max-width:288px}.Results-buttonContainer{display:flex;flex-direction:column;flex-wrap:wrap;align-items:center}.Results-valueError{color:#e64b40}.Form{content-visibility:auto}.FormContainer{position:relative;padding:24px 24px 0}.FormContainer-form{padding:24px;background-color:#fff}@media (max-width:56.25em){.FormContainer{padding:8px 8px 0}}.WarningMessage{display:flex;background-color:#fff6a8;border-radius:8px;box-shadow:0 2px 4px rgba(31,36,38,.10196078431372549);padding:8px;margin-top:16px}.WarningMessage .WarningText{margin:8px;font-size:16px}.WarningMessage-error-button{height:24px}.WarningMessage-error-icon{height:24px;width:24px;flex-shrink:0;margin-top:16px}.WarningMessage-error-close{height:16px;width:16px;flex-shrink:0;color:#000}.WarningText{margin:8px}.WarningText-toggle{text-decoration:underline;color:#0073b9}.hmhcia-App{padding-bottom:48px}.hmhcia-App-container{max-width:525px;border-radius:8px;margin:32px auto 0;box-shadow:0 6px 16px rgba(31,36,38,.14901960784313725);background-color:#fff;border-top:8px solid #0073b9}.hmhcia-fieldWrapper{display:flex}.hmhcia-fieldSeparator{margin:6px 8px}.hmhcia-tooltip{position:absolute;right:10%;z-index:10;box-shadow:0 6px 16px rgba(31,36,38,.14901960784313725);border:1px;border-radius:4px;border-style:solid;background-color:#fff;padding:8px;max-width:352px;text-align:left;line-height:1.25;color:#000;font-weight:400;font-size:14px}.FormHeading{display:flex;justify-content:space-around;padding-top:32px}.MortgageInfo-title{display:flex;align-items:center;padding-bottom:8px}.MortgageInfo-icon{display:inline-block;margin-right:16px;width:48px;height:48px}.MortgageInfo-inputWrapper{display:flex;justify-content:space-between;flex-wrap:wrap;align-content:space-between}.MortgageInfo-toggle{display:flex;text-decoration:underline;color:#0073b9}@media (max-width:56.25em){.MortgageInfo-toggle{margin:16px 0}}.MortgageInfo-chevron{margin-left:8px}.MortgageInfo-additionalTextLink{padding-top:4px}.MortgageInfo-button{align-self:flex-end}.MortgageInfo-details{display:flex;flex-direction:column}.MortgageInfo-label-font{margin-right:8px}.
Newport, Vt Arrests,
What Happened To Tyler Shultz,
Steven Randall Jackson Net Worth,
9 Coins Two Rows Of 5,
Articles D