Hi Hailee, I estimate that in order to get an all in mortage payment under $2,600 a month then you would have to buy a new home around $325,000 with a fixed FHA mortgage rate around 4.5%.
Here is an example of how that's broken down at a $325,000 purchase price & a 4.5% fixed 30 year FHA mortgage:
- Principle & interest: $1,589.09
- Homeowners insurance: $125.00
- Property taxes: $677.08
- Mortgage insurance: $142.69
- Total estimated payment: $2,533.86
This assumes a 2.5% tax rate & some homes can have higher or lower tax rates.
Below are 19 homes that I handpicked to be close to what you described.
There are many more new 1 story homes available & I could not find any with zero carptet but all of the homes below will only have carpet in the bedrooms.
Please let me know which homes you liked the best & I can work up a specifc payment estimate for that home. I also included homes up to $350,000 just for reference.
- 1/28 28
4 Beds 2 Baths 1,796 SqFt$334,255New - 1/25 25
3 Beds 2 Baths 1,955 SqFt$338,999New - 1/25 25
4 Beds 2 Baths 1,657 SqFt$338,690Active - 1/30 30
4 Beds 2 Baths 1,667 SqFt$284,749Price Dropped by $23K - 1/32 32
3 Beds 2 Baths 1,970 SqFt$332,999Active - 1/23 23
3 Beds 2 Baths 1,662 SqFt$311,999Price Dropped by $5K - 1/30 30
3 Beds 2 Baths 1,678 SqFt$348,965Price Dropped by $2K - 1/31 31
3 Beds 2 Baths 1,716 SqFt$329,990Price Dropped by $21K - 1/6 6
3 Beds 2 Baths 1,615 SqFt$319,990Price Dropped by $20K - 1/24 24
3 Beds 2 Baths 1,510 SqFt$318,900Active - 1/30 30
3 Beds 2 Baths 1,501 SqFt$307,855Price Dropped by $1K - 1/18 18
3 Beds 2 Baths 1,512 SqFt$328,100Price Dropped by $40K - 1/28 28
4 Beds 2 Baths 1,816 SqFt$334,990Price Dropped by $15K - 1/30 30
4 Beds 2 Baths 1,850 SqFt$317,749Active - 3D
3 Beds 2 Baths 1,514 SqFt$337,020Active - 1/35 35
4 Beds 2 Baths 1,816 SqFt$349,990Price Dropped by $5K - 1/25 25
4 Beds 3 Baths 1,854 SqFt$349,990Active - 1/23 23
3 Beds 2 Baths 1,645 SqFt$308,749Price Dropped by $20K - 1/25 25
3 Beds 2 Baths 1,722 SqFt$343,990Active