How Much House Can You Actually Afford
Build your real number — not the bank's number — before you start looking at homes.
Eight in-depth lessons walking you through the true cost of homeownership: the difference between what a lender approves and what you can actually afford, gross vs. net income, full PITI, hidden ownership costs, debt-to-income ratio, down payment tradeoffs, and a complete step-by-step worksheet to calculate your real, honest budget.
What you'll learn
Understand why a lender's pre-approval number is not the number you should spend
Calculate your real budget using net income, not gross income
Know the true full cost of a mortgage payment, including taxes, insurance, and PMI
Budget for the hidden costs of homeownership most new buyers miss entirely
Build a complete, personalized affordability worksheet you can actually use