Is there a calculator out there to help me figure this out? We make apprx 38,000 a year, pay 270 a month to credit cards and 298 to an auto loan, also day care 270 a month in day care. Credit scores about 630
38,000 is gross
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Just Google “mortgage calculator”
This site has one:
http://www.mortgagefit.com/discuss/
Also has a lot of discussions about how to get a mortgage etc.
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Here is the best one I have found while looking and eventually purchasing a home
http://cgi.money.cnn.com/tools/houseafford/houseafford.html
It includes the other bills you have instead of just going by your income. But to be perfectly honest with your income and debts at this point you cannot afford a home, sorry but is the truth