Mortgage math over sticker shock: monthly payments unlock first-time homeownership

The piece reframes buying a home around monthly costs (PITI) rather than the sticker price, noting that first-time buyers typically put down 6–9% (often triggering PMI if under 20%), and that a fixed-rate mortgage can provide payment stability, potential tax advantages, and equity growth—while maintenance costs stay with the owner. It also emphasizes getting a pre-approval to convert planning into figures and highlights Progressive’s UpPayment program offering up to $13,500 for eligible buyers.