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Making resolutions and manifesting a better future is all the rage around this time of year. However, the goal of becoming a homeowner is more about cold, hard, financial facts than the ability to channel the universe’s benevolent energy. And the two coldest, most indispensable conditions for home ownership are the down payment and the mortgage.

This means that home affordability is not just a present conundrum, but also a future issue, as well. As such, whether they’re younger or older Millennials, Gen Zers or Baby Boomers, home-seekers must answer two questions:

  1. Can I get enough money for the down payment now?
  2. Will I be able to cover my mortgage in the future?