Yebbo Home Dashboard • DMV • $2,000 Mortgage Goal

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Yebbo Home Dashboard • DMV

2-year plan to buy a home with a $2,000/month mortgage target (P&I)

Target P&I: $2,000

Rate: 6.50%

Term: 30y

Region: DMV

Inputs (Auto-Fill Calculator)

Enter your numbers → dashboard updates instantly. Your data stays in your browser (localStorage).

Gross Annual Income ($)

Monthly Debts ($/mo)

Estimated Credit Score 740+ (Best) 720–739 700–719 680–699 660–679 640–659 620–639 600–619 580–599

Target Mortgage (P&I) ($/mo)

Interest Rate (APR %)

Loan Term (years) 30 25 20 15

Down Payment % 20% (Best for $2k goal) 10% 5% 3.5% (FHA)

Cash Available Now ($)

Monthly Savings Plan ($/mo)

Tip: Your “$2,000/month” target is for mortgage P&I. In the DMV, HOA + taxes often push the all-in monthly cost higher.

Auto-Filled Results

Based on your inputs + common lender guardrails.

Max Loan (for target P&I)

$—

From rate + term + P&I

Estimated Max Price

$—

Using your down payment %

Down Payment Needed

$—

+ Closing costs below

DTI Check (Est.)

—%

Debts + P&I vs income

Affordability Meter — status

DTI target: ≤ 36% (strong) • ≤ 43% (max typical) —

Estimated Costs	Amount
Closing Costs (est.)	$—
Recommended Emergency Fund	$—
Total Cash Target	$—

Closing costs vary; this uses a conservative estimate to avoid surprises.

Savings Tracker (24 Months)

Tracks your progress toward the cash target (down payment + closing + emergency fund).

Cash Now

$—

Your current saved cash

Monthly Savings

$—

Planned contribution

24-Month Projected

$—

CashNow + 24×monthly

Gap to Target

$—

How much more needed

Savings Progress Goal: $—

— —

Fast path: Use DPA + seller credits to lower cash target, then refinance later if rates drop.

Progress Bars (2-Year Readiness)

Quick snapshot of where you stand. (Credit assumes your score selection.)

Credit Readiness—

Cash Readiness—

DTI Readiness—

Timeline Readiness—

Assumes you’re starting today; stays at 0% until you begin tracking.Use “Save to Browser”.

DMV First-Time Buyer Programs (Match List)

These are the common “starter” programs to explore in the DMV (eligibility depends on income, household size, and location).

Washington, DC

• HPAP (Down payment & closing cost assistance; income caps)
• MCC (Mortgage Credit Certificate tax credit)
• DC Open Doors (First trust + second trust; varies by year)

Maryland

• Maryland Mortgage Program (MMP)
• DPA options (amount varies by program)
• County programs (PG County often has options)

Virginia

• Virginia Housing first-time buyer loans
• DPA grants (often percentage-based)
• Local grants (city/county dependent)

How we’ll “match” you precisely: once you enter your income + preferred state (DC/MD/VA), you’ll know which bucket you likely fit (income caps and household size matter most).

60-Day Credit Boost Plan

Simple actions that typically move the score fastest.

• Day 1–7: Pull reports, list balances + limits, set autopay minimums.
• Week 2: Pay cards down toward <10% utilization (goal: 1–9%).
• Week 3–4: Ask for credit limit increases (only if soft pull).
• Week 5: Remove/avoid new inquiries; keep cards open.
• Week 6–8: Maintain low utilization before lender check (statement dates matter).

Don’t do: open new accounts, finance furniture, or run big balances before pre-approval.

Yebbo Summary

Powered by Yebbo.com

Goal: $2,000 mortgage (P&I)

Plan Horizon: 24 months

Strategy: Condo/Townhome + DPA

Disclaimer: This tool is planning-only and does not constitute lending, legal, or tax advice. Actual approvals depend on lender underwriting, program rules, property eligibility, and market conditions.

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