The government also offers many programs that may help you buy a house with fewer up-front costs. You would need to meet certain income requirements and they usually require it to be your first home, but the mortgage rate is generally lower and the required down-payment is less than typical mortgage programs or nothing at all.

         Several banks have websites that have their current rates and refinancing calculators (see the above links). They also have worksheets that show you if you can afford a home based on your income. It will show you what your current payments would be based on the amount you want to borrow, real estate taxes, homeowner's insurance, and other additional expenses that come with owning a home. You can also get extensive mortgage, real estate, and consumer financial information at www.cnsweb.com. It also has buying tips and definitions of terms.