Amelia, teacher
What she wanted:
A South Williamsburg one-bedroom near the subway.
Monthly budget: $1,700
Estimated monthly maintenance: $600
Available mortgage payment: $1,100
She has savings of: $60,000
At the current mortgage rate (30-year fixed) of 3.875% she can borrow: $233,924
What she could spend: $293,924
Her agent, Bruno Navarro of Bond New York, showed her:
39 Bedford Avenue, No. 10
Asking price: $299,000
Monthly maintenance: $470
What they found:
A bright, renovated two-bedroom in an income-restricted co-op, between the L stop at Bedford Avenue and the J/M/Z. Agents: Eugenio Stangher and Neville Ross, Prudential Douglas Elliman.
Nathan and Jennifer, designer and buyer
What they wanted:
Greenpoint, with a real yard (over 1,000 square feet).
Monthly budget: $3,500
Estimated monthly maintenance: $750
Available mortgage payment: $2,750
They have savings of: $135,000
At the current mortgage rate (five-year adjustable) of 2.75% they can borrow: $673,621
What they could spend: $808,621
Their broker, David Kazemi of Bond New York, showed them:
151 Green Street, No. 1B
Asking Price: $849,000
Monthly Maintenance: $314
What they found:
A 2,144-square-foot two-bedroom, two-bath, with two outdoor spaces, one of them about 900 square feet. The common charges will stay extra-low for the next fifteen years because of a tax abatement.
Julie Teitel of Guardhill Financial did the figuring.