{"id":21308,"date":"2021-01-27T14:55:26","date_gmt":"2021-01-27T22:55:26","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=21308"},"modified":"2021-01-27T14:55:27","modified_gmt":"2021-01-27T22:55:27","slug":"buyer-what-kind-of-house-can-i-afford","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/buyer-what-kind-of-house-can-i-afford\/","title":{"rendered":"What Kind of House Can I Afford? What to Consider While You Shop"},"content":{"rendered":"

Maybe you\u2019ve been saving<\/a>, crunching numbers, studying neighborhoods, and building Pinterest boards for interior decorating and landscaping ideas<\/a> for that first home. Or maybe the 2020 mortgage rate dive<\/a> is making you seriously consider upgrading your existing home.<\/p>\n

Either way, you\u2019re asking yourself, \u201cWhat kind of house can I afford?\u201d Of course, you need to know what your budget realistically buys in hard dollars, but you also want some guidance about exactly what type<\/i> of home you should be looking for.<\/p>\n

Our expert-backed primer will help guide you in the direction to figure that out. With feedback from top-selling agents, here\u2019s our guide meant to help you understand what types of homes might be a good fit just<\/i> for you, your lifestyle, and your budget.<\/p>\n

\"A<\/a>
<\/a> Source: (Matthew T Rader \/ Unsplash)<\/figcaption><\/figure>\n

Fixer-uppers<\/h2>\n

The moniker fixer-upper<\/a> is assigned to homes in need of \u2014 you guessed it \u2014 fixing up. Typically, this means substantial improvements beyond just the cosmetic.<\/p>\n

You might get a great deal on a home with \u201cgood bones\u201d if you choose to purchase a house like this. Buying a fixer-upper allows people with lower budgets to get into the real estate market, and improve the home over time. This strategy works especially well if you have the interest, inclination, and know-how \u2014 plus a healthy dose of patience \u2014 to handle major projects over time.<\/p>\n

But you might find fixing up a home is especially challenging during a pandemic, as materials can be expensive and hard to come by amid a disrupted supply chain and modified labor force.<\/p>\n

\u201cThere was a big appliance company in Kentucky that was shut down to make ventilators for a couple of months,\u201d explains Tom Jacobs<\/a>, a top-selling agent based in Tallahassee, Florida, as an example of the struggle. \u201cThey started ramping up again, but haven’t been able to catch up yet.\u201d<\/p>\n

Foreclosures or bank-owned homes<\/h2>\n

If you choose to purchase a foreclosure<\/a> or bank-owned home, you might<\/i> get an even better deal with incredible room for return on investment. But know that you\u2019re buying the house as-is, and the cost of repairs might be extreme \u2014 as well as hard to forecast.<\/p>\n

So to afford this type of purchase, you\u2019ve got to have cash available to make the repairs or are able to get a loan. And you should be smart and savvy about selecting the house itself so you don\u2019t wind up with problems you can\u2019t address.<\/p>\n

Townhouse or condo<\/h2>\n

Townhomes<\/a> are defined as multi-level single-family residences that share one or two walls with adjacent units, but not ceilings or floors.<\/p>\n

A condominium \u2014 condo for short \u2014 is a privately owned individual unit located in a building among other units. Owners of these units jointly own and share common areas, including hallways, elevators, pools, gyms, rec rooms, and the like.<\/p>\n

In these types of arrangements, you\u2019ll be looking at a homeowners association (HOA)<\/a> with its associated dues. This is a group of owners that establishes and enforces rules and regulations for the development \u2014\u00a0think landscaping, pool maintenance, and more. You\u2019ll pay your share of monthly dues to make this happen.<\/p>\n

So you can afford this kind of home if you can cover those HOA dues (also known as COA, for condo owners association).<\/p>\n

And you should make sure you\u2019re comfortable enough with any limitations in space \u2014 or anything else \u2014 to stay for at least a few years.<\/p>\n

Single-family homes<\/h2>\n

A single-family home<\/a> is just as it sounds: a set-apart structure with a ground-to-roof wall, a separate heating system, individual meters for public utilities, and no units located above or below it.<\/p>\n

The pros to buying a home like this include \u2014\u00a0again, just as it sounds \u2014 the fact that it\u2019s a standalone structure that is all your own. You are less likely to have to pay dues to an organization than you would in a multi-unit condo building (although you still might pay HOA fees in some developments). And you can typically make any changes or improvements you like. (There are some exceptions here, too \u2014 such as in areas designated for historic preservation.)<\/p>\n

Among the potential cons to buying a single-family home for some buyers: You\u2019re on your own for the upkeep, inside and out.<\/p>\n

Jacobs notes that buyers who think they can afford certain bells and whistles must be prepared for that maintenance. \u201cA dirty pool becomes a liability when it comes to selling,\u201d he notes.<\/p>\n

You can afford to buy this type of home if you can comfortably pay the insurance and any necessary dues.<\/p>\n

\"A<\/a>
<\/a> Source: (Lindasj22 \/ Shutterstock)<\/figcaption><\/figure>\n

Modular homes and manufactured homes<\/h2>\n

A manufactured home<\/a> is a prefabricated home outfitted with a permanent chassis so it can be moved again after it is initially transported to a site. (This is the modern version of a mobile home but there are new standards for building<\/a> them.) You may hear these referred to as double- or triple-wide, depending on their size.<\/p>\n

Like a manufactured home, a modular home<\/a> is a house that is pre-fabricated in a factory setting and transported to a building site. But unlike a manufactured home, modular homes are manufactured in multiple sections, and assembled on cinder-block foundations at the destination site. These sections are arranged to fit on a semi trailer, but up to six can be connected to make up a modular home, so some of them have multiple stories and can look quite different from typical manufactured homes.<\/p>\n

A manufactured home is likely the most affordable type of structure you can get. Ideal buyers might include a family that wants to maximize the amount of space they can get for their budget, explains Jacobs. \u201cOr they really want the land; they want more acreage then square footage. So they’ll buy a 10-acre tract with a mobile home on it, and love it.\u201d<\/p>\n

Jacobs notes that this type of home might be great for a buyer whose real dream is about the land \u2014 not the structure itself. \u201cThey always say they\u2019ll build their dream house one day, and they never do,\u201d he says. \u201cThey live in that mobile home forever and love it.\u201d<\/p>\n

You can afford this if your budget is at the lower end. Pros here include that affordability factor, and the fact that you may be able to get more land for your budget. Cons include lower-end finishes, a less-customized product, and a smaller living space.<\/p>\n

Historic homes<\/h2>\n

Older homes<\/a> often offer historic charm, and sometimes unique characteristics and top-quality construction you may not find as frequently in newer homes.<\/p>\n

As a pro, you might also get a deal on an older home \u2014 \u201cmore bang for your buck,\u201d as Jacobs puts it.<\/p>\n

On the flip side, \u201cthe maintenance on the older home is going to be much much higher,\u201d Jacobs says. So if you think you can afford a historic home, make sure you have plenty of money available to make these necessary fixes.<\/p>\n

Another con: You might find your older home has restrictions due to protections in certain designated historic districts. You might find any changes you wish to make to the exterior \u2014 even including swapping out old and inefficient single-pane windows, say \u2014 might not be permitted.<\/p>\n

Note: You may also find this to be a pro! If your neighborhood is protected, you won\u2019t be surprised by any unchecked eyesores popping up after you move in.<\/p>\n

New construction<\/h2>\n

With a new construction home, you won\u2019t face the same issues of aging features in an older home. (But that\u2019s not to say you might not find any unpleasant surprises<\/a> that could cost you.)<\/p>\n

If you\u2019re looking at a brand-new home, you should have a healthy budget. \u201cWe can’t build them fast enough,\u201d Jacobs says of new construction homes in his area.<\/p>\n

\u201cRight now, we’ve got such a demand on inventory that new constructions are flying off the shelves as fast as we can get them built.\u201d<\/p><\/blockquote>\n

He explains that he\u2019s seeing these homes get multiple offers and sell for at least full price. So, \u201cthat would be somebody typically with a higher budget\u201d looking at this category of home.<\/p>\n

If you expect this type of home purchase to hold its value<\/a>, plan to stay a while and make only neutral improvements with wide appeal.<\/p>\n

\"Uniforms<\/a>
<\/a> Source: (Matt Chesin \/ Unsplash)<\/figcaption><\/figure>\n

Government programs<\/h2>\n

You might have a government program available to you to make your home search more affordable, and potentially open you up to homes you thought were outside of your availability index. Here are some to investigate.<\/p>\n

Good Neighbor Next Door<\/h3>\n

The Good Neighbor Next Door program<\/a> is available to buyers working full-time in certain professions, including law enforcement officers, teachers<\/a>, and firefighters. The program designed to help these buyers get a home at a 50% discount in one of the Department of Housing and Urban Development\u2019s (HUD\u2019s) \u201crevitalization areas,\u201d defined by three criteria: median household income, homeownership rate within the neighborhood, and the rate of Federal Housing Administration (FHA) foreclosure activity in the neighborhood.<\/p>\n

This loan can help you afford a home if you\u2019re in one of the qualified professions, obviously. However, you\u2019ll need to be in the house for at least three years, make any needed repairs yourself, and must also make sure you can also afford any taxes or HOA dues.<\/p>\n

Fannie Mae HomePath<\/h3>\n

A Fannie Mae HomePath property<\/a> is a house Fannie Mae is selling directly to an investor or a traditional buyer. (Fannie Mae, which is a government-sponsored enterprise that purchases mortgages from lenders, might own the house by way of foreclosure or deed in lieu of foreclosure<\/a>.) Fannie Mae is a financial entity, not a property investor; it wants to sell these homes as soon as possible.<\/p>\n

The pros for buyers: These homes are designed for lower-income buyers and are priced very competitively. (That means you need to move fast!) On the flip side, you\u2019ll be buying the house as is. Plus, Fannie Mae doesn\u2019t accept any contingent offers<\/a>; so if you\u2019re planning this home as an upgrade, you\u2019ll need to sell your current home first.<\/p>\n

A HomePath property might work for you if you don\u2019t make more than the area income limit<\/a>, and you can afford to make repairs to the home.<\/p>\n

Lender or other programs<\/h3>\n

Many lenders offer special programs for lower-income buyers. To find out about whether you might qualify, you will likely have to research those through your lender.<\/p>\n

General affordability questions to ask yourself<\/h2>\n

Schools and property taxes are funded locally and can have a huge impact on your home budget. Make sure you take that into consideration during your search.<\/p>\n

Your agent should have accurate information about schools and taxes, so you can figure out the right fit for your family.<\/p>\n

And, as with considering your potential return on investment for any property type, think about how long you might stay.<\/p>\n

Jacobs explains that there is a large market of transitory state workers that come and go every few years. \u201cSo we look at areas that we think will resell well in a short period of time,\u201d he says.<\/p>\n

This helps make sure your purchase isn\u2019t just affordable right now, but keeps you on top financially when it\u2019s time to trade up.<\/p>\n

The kind of house you can afford is going to depend on your budget and your lifestyle, but once you start narrowing down the kind of house you want, then you can begin exploring your options. Working with a top-ranked real estate agent is one of the best ways to determine if the kind of house you\u2019re seeking is really the best fit for your budget and lifestyle.<\/p>\n

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