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Reply to "How much house can we afford?"
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[quote=Anonymous][quote=Anonymous]DH and I want to move into a bigger house in about a year from now. Im more comfortable stretching and dh is more risk averse so I thought it would be informative to get people's opinions in how much house you think we can afford. Household income is 300k currently 150k house fund currently Expenses/debts: 500 per month in student loans 1400 per month for daughter's preschool (3 years old) 270 per month car payment maxed contributions to 401k 500 per month to daughter's 529 No cc debt We also plan on adding a second baby in the next year or two so that will be another 5 years of childcare with st most 2 years of double childcare cost. My husband is thinking like in the 700k range and I'm think more like the 900k range (I realize that's a big spread). [/quote] OP here again. Just to clarify, I am asking about the value of the house so a 700k house or a 900k house, not the mortgage. I dont mean a 900k mortgage. If we did a 900k house the most we'd mortgage is 750k with the current savings we have for the house. Thank you all for your input. It seems the consensus is to be more conservative.[/quote]
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