Before you start touring
Build a buying range that can survive the real payment.
Buying power is not a single price. It changes with taxes, insurance, HOA, down payment, credit and the financing path. Start here, then stress-test the actual house.
Conservative planning range
$0 - $0
Built around a 40% to 43% total DTI planning band, then constrained by estimated cash needs.
Comfort target$0
Upper planning edge$0
Cash-supported price$0
Housing budget$0
What moves buying power most
DebtEvery monthly obligation consumes housing capacity.
TaxesTwo homes with the same price can have different qualifying payments.
CashDown payment and closing costs can cap the usable price before DTI does.
Now test a real property.
A price range is only useful until the actual taxes, insurance and HOA show up.