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Social security income is commonly used to qualify. If it is not taxable income for you, take your monthly benefit amount and multiply it by 1.25. This is the monthly qualifying amount you can use. For FHA, your total monthly loan payments should be under 50% of that monthly qualifying number. So, add up all of your current loan payments (including minimum payments on credit cards and auto lease payments) and subtract that from the monthly qualifying amount. Here's an example:Monthly social security benefit $1,000Monthly qualifying amount $1,25050% of monthly qualifying $625Existing monthly debts $100Maximum monthly mortgage payment $525 (including taxes and insurance)
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For Sale: $55,000
For Sale: $74,900
For Sale: $264,900