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Private Mortgage Insurance
PMI is required primarily for borrowers who's downpayment and equity in the home is less than 20% of the home's purchase price. This protects lenders against most of the losses that can occur when a in case of a default on a mortgage loan.
Condo Dues / HOA Fees
Usually owners of condos or neighborhoods with a Home Owners Association are requried to pay dues. (also known as HOA Fees) Dues cover more common amenities and services within the association such as garbage collection, landscaping, street and sidewalk upkeep and pool maintenance. Check with your location association for the amount of dues if applicable.
Homeowners Insurance
Otherwise known as hazard insurance. This is usually a requirement by most lenders to provide protection to your home from a variety of events. All policies also contain personal liability coverage to protect against lawsuits involving injurings that may occur on your property.
Property Tax
This percentage represents an annual tax on the homeowners' property which is based on the home's value. To convert an annual property tax amount to a percentage, divide the property tax amount by the home value and then multiply by 100.
Monthly Debts
Add up all your recurring monthly payments for Credit Cards, Student Loans, or other loans and put that amount here.
Credit Card Payments
Enter your minimum monthly payment to your credit card. If you have more than one, make sure to include all payments.
Other Loan Obligations
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