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louis area housing market ‘crazy busy’ – “What we are seeing here is an uncommon combination of factors that give credence to St. Louis being designated as one of the hottest real estate markets in the country,” Gormley said. If the national.FHA loans have a minium down payment requirement as low as 3.5%. This amount excludes any closing costs, as closing cost payments may not be counted as part of the downpayment: Closing costs (non-recurring closing costs, pre-paid expenses, and discount points) may not be used to help meet the borrower’s minimum required investment.what home can i afford calculator when to get pre approved for a home loan How much house can I afford? – How much house can I afford. approval based on your application, just not from this particular lender. If the answer is yes, you know you might be able to get another lender to approve you. How to.How Much House Can I Afford? | Home Affordability Calculator – The affordability calculator is intended for planning and educational purposes only. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice. Talk to a lender to find out exactly how much home you can afford.St.