The usual rule of thumb is that you can afford a mortgage two to 2.5 times your annual income. That’s a $120,000 to $150,000 mortgage at $60,000. You also have to be able to afford the monthly.

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Once you know how much you can borrow add to that your down payment to calculate the maximum house price you can afford. In this example, the maximum loan amount is calculated at $203,000. If you have a $20,000 down payment, you can purchase a $223,000 house. The higher your down payment, the higher the purchase price you can afford.

One limit on how much you can borrow is a rule based upon a formula called the debt to income ratio, or simply "debt ratio." How Much Can You Qualify for With a VA Loan? | Military.com Login

How much house can you qualify for? Traditionally, mortgage lenders have used something known as the 28/36 rule to determine how much of a mortgage you can qualify for.

Equal Housing lender. 2017 gmfs llc. loan programs not available in all states, or to all consumers. All loans are subject to availability at the time of application and for terms that meet each individual consumer’s needs and qualification information. loan applications are subject to credit and property approval.

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You May Qualify for a Loan Amount Up to: FHA requires a 3.5% down payment as well as an upfront and monthly mortgage insurance in many cases. Other loan programs are available. Calculations by this tool are believed to be accurate, yet are not guaranteed. See upfront and monthly calculations: fha mortgage insurance requirements.

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How Much Can I Afford? FHA Mortgage Calculator. Use the following calculator to help you determine an affordable monthly payment so that you know what you can afford before you make an offer on the home you want to purchase.

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