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Your financial situation determines the amount of payment your income can support. Your Real Estate Agent can estimate the amount of loan you can carry.

Your financial institution can help determine the exact amount of loan you can carry, and in most cases can pre-qualify you for a home loan.

Usually lenders require that your housing cost, mortgage property tax and homeowner's costs amount to no more than 25% - 28% of your annual income. They also look at your long term debt obligations which increases this percentage, usually 33% - 36%. Your lender will explain their requirements to you.



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