Roseville Real Estate

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Roseville Real Estate

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Roseville has active citizens, award-winning school systems, comprehensive park and recreation programs and is home to nation-wide sporting events. Visitors and residents alike find an abundance of outdoor activities throughout the year. All of these factors make Roseville one of the best places in which to live, work and play!

The secret's out: Roseville and Granite Bay are spectacular places to live , work and play. With an abundance of shopping, dining, arts, entertainment, business and recreation, Roseville and Granite Bay offer something for everyone. The communities boast an excellent public school system, personalized city and county services, beautiful neighborhoods and excellent job opportunities.

Gross Annual Income: $
Downpayment amount: $
*Monthly debt: $
Mortgage rate: (%)
Annual property taxes: $
Annual homeowners insurance: $

	CONSERVATIVE	AGGRESSIVE
House price: $
Loan amount: $
Monthly mortgage payment: $
Taxes/Homeowners insurance: $
Total monthly payment: $

ABOUT THIS CALCULATOR:
To arrive at an "affordable" home price, we followed the guidelines of most lenders. We've allowed a total debt-to-income ratio of no more than 36%. And we have assumed a housing payment-to-income ratio of 28% for our conservative estimate, and 33% for the aggressive one. Before buying, however, you should also factor in other savings needs, including retirement and college.

ASSUMPTIONS: We've assumed a 30-year mortgage term, annual property tax of $3,500 and homeowners insurance of $481 - the national average. And we do not factor in private mortgage insurance, which you'll owe if your downpayment is less than 20 percent of the purchase price. It averages from $50 to $80 per month. Plug in your own numbers for more tailor-made results.

*Include auto and student loans, alimony, child support payments and credit card payments.