home should be calculated using a three-person household median income)). If applicable, insert the proposed monthly condo fee for the deed-restricted homes. How much you can afford to spend on a home depends on several factors, including these primary factors: you and your co-borrower's annual income, down payment. There's more to it than a home price and mortgage payment. Our calculator estimates what you can afford and what you could get prequalified for. Why? Next, divide that number by your gross monthly income. For example, if you're thinking of a total monthly housing payment of $1, and your income before taxes. One rule of thumb is to aim for a home that costs about two-and-a-half times your gross annual salary.

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