You may be surprised by how much home you really can afford . Affordability traditionally takes into consideration income, credit rating, interest rates, and other household expenses. Typically working with a bank or mortgage company, your debt to gross income ratio should not exceed 35-38%. Contact a licensed lending institution directly to determine what you would qualify for with them. The property calculator below is set 'very' conservativety for a traditional bank loan and does include rent·to-own or sweat equity. Contact us and we can provide more information on this important topic.