Note: Estimates assume a 3.5% downpayment on a 30-year fixed rate loan with zero points, 0.85% mortgage insurance, 0.35% property insurance, 1.15% property taxes, 3% closing costs, and a maximum 31% debt to income ratio. Low-End homes have values in the 5th to 35 percentile of all homes in Greater Boston, middle-tier homes are in the 35 to 65 percentile.