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Home price ($, primary $535k · stretch $580k) Down payment (%) Interest rate (%) Term (years) Loan program Prop tax rate (%)

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ID	Price	Down	Rate	Program	PITI	DTI-F	Comfort Δ
SFH_599k_3pct_conv97	$599,000	3%	6%	Conventional 97	$4,670	22.2%	+$1,590
SFH_599k_3pct_homeready	$599,000	3%	6%	HomeReady	$4,622	22%	+$1,638
SFH_625k_3pct_conv97	$625,000	3%	6%	Conventional 97	$4,859	23.1%	+$1,401
SFH_499k_3pct_conv97	$499,000	3%	6%	Conventional 97	$3,945	18.8%	+$2,315
SFH_535k_3pct_conv97	$535,000	3%	6%	Conventional 97	$4,205	20%	+$2,055
Condo_499k_3pct_conv97_HOA541	$499,000	3%	6%	Conventional 97	$3,945	18.8%	+$2,315

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Primary modeling: $535k SFH baseline (per user 2026-05-17) — yields ~$4,205 PITI · target total monthly nut $3,700-4,200 (mortgage+utilities).
Stretch ceiling: $580k — ~$300/mo more · target total nut $4,000-4,500.
"Steal threshold" $499k: flag opportunistically — yields ~$3,945 PITI (best case).
If condo path: add HOA from Monthly Costs card (e.g. $541/mo) — adjust budget down accordingly.
Jess realistic share cap: $1,800/mo (per memory rule) — leaves Josh covering remainder.