So you have decided you want to buy a home? Good for you! After all homeownership is apart of the American dream! But now that you are seriously considering putting forth the money, it's time to get down to business. After driving around the neighborhood and looking at all the beautiful houses you are probably wondering, "How much house can I really afford?" It's a good question to ask. Before you go out and settle on your dream home you first have to understand what you can afford comfortably, what lenders think you can afford, and the other cost you must to consider. Once you have examined this information and a few additional helpful hints, you can make a sound decision that won't get you in over your head.