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Unread 08-01-2013, 03:35 PM   #16
Balvar24
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1979 CJ7 
 
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New construction cost without lot is around $75-$100 for modest finishes. Current market values locally are about the same for more "custom" homes. $127k sounds plenty fair.

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Unread 08-01-2013, 05:52 PM   #17
MountainMan864
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115k plus they pay for the inspection and closing costs


Edit nvm. I paid 85k last year for a 1700 sq ft house. Built in '58. 3 br 1.5 ba and a man cave.
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Unread 08-01-2013, 10:37 PM   #18
Tom95YJ
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Oh, Wait ...........
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Unread 08-02-2013, 05:08 AM   #19
sbcranger
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1985 CJ7 
 
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FourbyFour your inbox is full...

here is the budget/mortgage calc i had setup, it's pretty straight forward.

all of the yellow boxes can be edited and will automatically calculate.

on the budget side, use take home pay, and then monthly expenses.

on the mortgage side I have it set up so you just have to put in the home price, APR, annual taxes and annual home owners insurance.

it automatically uses a down payment of 20% to avoid PMI.

http://www.mediafire.com/download/or...gage_calc.xlsx
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Unread 08-02-2013, 07:14 AM   #20
nwiTJdave
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Quote:
Originally Posted by cactus_jack View Post
I was worried about a low-ball offer as well so I made an offer of 125,000 seller pays closing costs. He came back saying he owed 127,000 and would take that if I paid closing costs. I accepted his counter offer. Like I said, it's well worth the price in this area and this is a VA loan so it helps with the monthly payment (no mortgage insurance needed, better interest rate, etc.)
Just a heads up, there is a (I think this is the correct amount) 3,000 Va loan funding fee. Nobody told us of that when we purchased our house. I just wanted ti give you a heads up if you were unaware as well. Congrats on your purchase.
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Unread 08-02-2013, 12:00 PM   #21
JWBooth
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Quote:
Originally Posted by cactus_jack View Post
I was worried about a low-ball offer as well so I made an offer of 125,000 seller pays closing costs. He came back saying he owed 127,000 and would take that if I paid closing costs. I accepted his counter offer. Like I said, it's well worth the price in this area and this is a VA loan so it helps with the monthly payment (no mortgage insurance needed, better interest rate, etc.)
You guys locked a rate yet? They're creeping up on us again. Should be in the 4.5% range on a 30yr fixed VA w/a FICO of 600 or higher.
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