Official Data Sources

1. Consumer Financial Protection Bureau (CFPB)

Website: https://www.consumerfinance.gov/

Data Used:

• 28/36 DTI (Debt-to-Income) rules for mortgage affordability
• Mortgage lending regulations and guidelines
• Qualified Mortgage (QM) standards
• Ability-to-Repay (ATR) rules

2. Federal Housing Administration (FHA)

Website: https://www.hud.gov/

Data Used:

• FHA loan limits by county
• FHA mortgage insurance premiums (MIP)
• FHA debt-to-income ratio guidelines
• FHA down payment requirements

3. U.S. Department of Housing and Urban Development (HUD)

Website: https://www.hud.gov/

Data Used:

• Section 8 housing vouchers
• HUD-approved housing counseling agencies
• Manufactured housing standards
• Fair Housing Act guidelines

4. Internal Revenue Service (IRS)

Website: https://www.irs.gov/

Data Used:

• Mortgage interest deduction (Publication 936)
• PMI (Private Mortgage Insurance) tax deduction
• Points deduction (Publication 530)
• Home office deduction

5. Federal Reserve (Fed)

Website: https://www.federalreserve.gov/

Data Used:

• Federal funds rate (influences mortgage rates)
• Economic data and forecasts
• Monetary policy statements

6. State Housing Finance Agencies

Data Used:

• First-time homebuyer programs
• Down payment assistance programs
• State-specific mortgage credit certificates (MCC)
• Property tax rates by county

7. Federal Housing Finance Agency (FHFA)

Website: https://www.fhfa.gov/

Data Used:

• Conforming loan limits for Fannie Mae and Freddie Mac
• Annual House Price Index (HPI) trends
• County-level loan limit adjustments

8. Freddie Mac & Fannie Mae

Website: https://www.freddiemac.com/ · https://www.fanniemae.com/

Data Used:

• Primary Mortgage Market Survey (PMMS) rate averages
• Conventional conforming loan standards
• Home affordability and borrower trend reports

9. U.S. Census Bureau

Website: https://www.census.gov/

Data Used:

• American Community Survey (ACS) home value and income medians
• State and county housing characteristic estimates
• Rental vacancy and homeownership rates

10. National Association of Home Builders (NAHB)

Website: https://www.nahb.org/

Data Used:

• Housing Opportunity Index (HOI) by metro area
• Median construction and new-home sales price trends
• Affordability sentiment surveys

11. U.S. Department of Veterans Affairs (VA) & USDA Rural Development

Website: VA Home Loans · USDA Rural Development

Data Used:

• VA zero-down loan eligibility and funding fees
• USDA rural loan maps and income eligibility
• Government-backed loan limit guidelines

📊 Data Accuracy Commitment

We regularly review and update our calculators to reflect the latest guidelines from these official sources. However, regulations and limits may change. Always verify current rates and limits with the official agencies or a licensed mortgage professional.