: Lenders often want to see 2–6 months of essential expenses in savings after the down payment and closing costs are paid. 2. Estimated Upfront Costs
: This is your total monthly debt divided by gross monthly income. Lenders typically prefer a DTI below 43% , though some programs allow up to 50%. need to buy a house
Before searching for homes, evaluate your financial health to determine what you can realistically afford. : Lenders often want to see 2–6 months