What is the PSS for a member wanting a PITI equal to or less than their current rent?

The scenario described involves a member seeking a principal, interest, taxes, and insurance (PITI) payment that is equal to or less than their current rent. Since the member desires a PITI that is no greater than what they are currently paying, a PSS (Payment Shock Score) of $0.00 indicates that they will not experience any financial shock or increase in housing expense when moving from renting to owning.

By maintaining a PITI at or below current rent, the member effectively ensures that their transition to homeownership remains financially consistent with their existing budget. This approach fosters stability in payments and helps in avoiding financial stress that might arise from significantly higher housing costs.

Hence, a PSS of $0.00 indicates that no additional financial burden is recognized, affirming that the member is making a sound and manageable choice regarding their housing expenses. This aligns perfectly with the goal of keeping housing costs stable during the transition from renting to owning.