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So for example, if you make $3500 a month, a realistic payment could be $980 including taxes and insurance. There are also a lot of online tools that can help make this calculation even easier. Then once you’ve determined exactly what you can afford, a good approach is to actually try on the payment.
The decision of whether or not to be "house poor" is largely a matter of personal choice-since getting approved for a mortgage doesn’t mean you can actually afford the payments. Pre-Mortgage.