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Table Of Content Bankrate logo Property Taxes How Much Income Do You Need to Buy a $300,000 House? How does debt to income ratio impact affordability? Home Equity Loan If you live in a town where transportation and utility costs are relatively low, for example, you may be able to carve out some extra room in your budget for housing costs. While it's true that a bigger down payment can make you a more attractive buyer and borrower, you might be able to get into a new home with a lot less than the typical 20 percent down. Some programs make mortgages available with as little as 3 percent or 3.5 percent down, and some VA loans are even available with no money down at all. Mortgage lenders use a shortcut to calculate mortgage affordability. Bankrate logo The 28/36 percent rule is a tried-and-true home affordability rule of thumb that establishes a baseline for what you can afford to pay every month. That means your mortgage payment should be a maximum of $1,120 (28 percent of $
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