How Much House Can I Afford? Stop Thinking Price—Start Thinking Payment (2025)

A $400K house can be cheaper than a $350K—here’s why. In this video, I show you how to figure out how much house you can afford by starting with a comfortable monthly payment and working backward to price. We’ll break down PITI (principal & interest, property taxes, homeowner’s insurance) plus HOA/condo fees, PMI, and (in Texas) MUD/PID—so you can compare homes by total monthly payment, not sticker price. What you’ll learn: ☑️ The exact formula to compare homes by monthly payment ☑️ Why interest rate + tax district + HOA can make a higher-priced home cost less each month ☑️ A side-by-side case study ($350K vs $400K) and how to reverse-engineer your max price from your monthly comfort zone ☑️ Smart ways to lower payment: rate shopping/buydowns, lower-tax areas, HOA comparisons, insurance quotes About me: Alfonso Rodriguez | Real Estate & Mortgage Advisor | TX LIC# 700192 | NMLS# 2103631 | 512-215-4284 | [email protected] Serving Williamson County: Round Rock, Leander, Georgetown, Hutto, Liberty Hill. Get more details here 👉 https://www.realtorfonz.com/how-much-... Disclaimer: Illustrations only. Rates/fees vary—always verify current numbers. #HowMuchHouseCanIAfford #HousePoor #MortgageTips #HomeBuying #PITI #HOAFees #TexasRealEstate #AustinRealEstate #WilliamsonCounty #MortgagePayment #FirstTimeHomeBuyer #InterestRates #HomeAffordability #realestateadvice Example scenario (for illustration only; rates change): $380,000 loan, 30-yr fixed, 6.50% rate / 6.74% APR. 360 payments of $2,402 (principal & interest). Payments DO NOT include taxes and insurance (if applicable); actual payment will be higher. Company: Network Funding, NMLS #2297 Loan Officer: Alfonso Rodriguez, NMLS #2103631 Equal Housing Opportunity