PLEASE HELP with calculating how much I can really afford

Hi Clifford,That's a great question. We can actually go up to 45% of your total income with all debts included. The down payment is not included in your DTI (Debt to Income). So if you were purchasing a house for $100,000 and put $10,000 down, your DTI would be calculated with $90,000. But you also have to calculate your Taxes, Insurance, and Mortgage Insurance if you're financing more than 80% of the loan, which is your LTV (Loan to Value).Clifford, I can help you with this, and get everything in black and white for you, so you know exactly what you're working with. All I need is to complete an application and have you send in your loan package for an approval.Here at DFG, we have a program with Fannie Mae, that only 13 lenders in the U.S. are able to do. In California, with as little as 3% down with no mortgage insurance or appraisal fees! Please give me a call so I can assist you more with this project and go over the many option we may have for you. Thank you for your time and we appriciate your business.Best Regards, RICK FAISON Real Estate Financing Director 949-200-5800 - Ext. 204 -- Direct714-519-4504 -- Cell949-631-3950 -- Fax949-272-2311 -- E-Fax877-677-5535 - Toll FreeRFaison@DFGBancorp.comwww.DFGBancorp.com2240 University Drive; Ste: #120 Newport Beach, CA 92660People Will Forget What You Said, People Will Forget What You Did. But, People Will Never Forget How You Made Them Feel." "We Appreciate Your Business."This e-mail may contain data that is confidential, proprietary or non-public personal information, as that term is defined in the Gramm-Leach-Bliley Act (collectively, Confidential Information). The Confidential Information is disclosed conditioned upon your agreement that you will treat it confidentially and in accordance with applicable law, ensure that such data isn't used or disclosed except for the limited purpose for which it's being provided and will notify and cooperate with us regarding any requested or unauthorized disclosure or use of any Confidential Information. By accepting and reviewing the Confidential information, you agree to indemnify us against any losses or expenses, including attorney's fees that we may incur as a result of any unauthorized use or disclosure of this data due to your acts or omissions. If a party other than the intended recipient receives this e-mail, he or she is requested to instantly notify us of the erroneous delivery and return to us all data so delivered.