Estimate assumptions were drawn from a national estimate conducted by the Joint Center for Housing Studies of Harvard University: 3.5% down payment on a 30-year fixed-rate loan, 0.85% mortgage insurance, 0.35% property insurance, 1.15% property taxes, 3% closing costs, and a 31% debt-to-income ratio. Median Maryland Home Prices are from the Maryland Association of Realtors. Mortgage interest rates are from Freddie Mac.