Buying Power Breakdown – December 12, 2025
- marketing928870
- Dec 12, 2025
- 2 min read
Updated: Dec 30, 2025
🔹 Scenario 1
Income: $120,000
Down Payment: $60,000
Estimated Max Home Price: ≈ $767,099
Estimated Monthly Payment: ≈ $4,900
With a strong income and a solid down payment, buyers in this range unlock significantly higher home affordability even at identical rates, taxes, and insurance.
🔹 Scenario 2
Income: $50,000
Down Payment: $40,000
Estimated Max Home Price: ≈ $283,361
Estimated Monthly Payment: ≈ $2,041
A lower income and smaller down payment reduce the maximum purchase price quickly, even though the interest rate and property expenses remain the same.
💡 Same Rate. Same Taxes. Same Insurance.
These examples highlight one major truth: Income + Down Payment = Your Buying Power.
Small changes in either number can make a big difference.
If you want to understand your own buying power or see what you can afford in today’s market DM us or call (516) 218-1297.
Our team will break down your numbers clearly and help you plan your next steps.
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