good evening.....if you can come up w/ 3.5% down, and can qualify for fha, i can finance you at 5% on a 30 year fixed rate.........we can ask the seller to pick up all or most all of the closing costs and pre-paids.....the monthly pr. & interest payment would be $520.55
monthly mortgage insurance pymt is $43.79...........
that total would be $564.34 ....also add 1/12th of the annual property taxes and 1/12th of the annual hazard insurance to arrive at a grand total. fha does require an escrow acct.....i am licensed in your state and would be glad to help you........best regards.....bob mcclure......

Mortgage broker would be your expert in answering that question, they would need review your financial files, credit score, debt ratio, employment history, downpayment, taxes, insurance. Which "feed into a program" determines what your mortgage payment would be and qualify you for a loan.