How much home can I afford?

When deciding how much to spend on a home, there’s often a difference between what a lender says you can afford and what you should actually spend. The lender’s pre-approval sets a maximum borrowing limit based on your income, debts, and credit profile—but it’s not a reflection of your personal financial comfort or long-term goals, By carefully aligning your home-buying decision with both your lender’s guidance and your personal financial goals, you’ll protect yourself from financial stress and create a sustainable foundation for homeownership.