: Use a home affordability calculator to factor in your income, existing debts, and a potential down payment. Experts suggest keeping total housing costs—including principal, interest, taxes, and insurance—below 28% of your gross monthly income . Save for Upfront Costs :
: While 20% avoids private mortgage insurance (PMI), many programs allow as little as 3% to 3.5% down . how to start the process of buying a house
Before looking at listings, you must determine what you can realistically afford. : Use a home affordability calculator to factor