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How Much Should I Borrow?

JEN: This house would be perfect! I wish it was easier to get a loan. 

DRAGON: Welcome to Loan Land, where you’re preapproved for a costly adventure!

JEN: Whoa, nice treasure stash! Mind giving me a sizable home loan?

DRAGON: Make sure you aren’t going overboard. Do your homework and figure out how much home you can afford, based not only on the monthly mortgage payments, but also on all of the other expenses, such as property taxes, insurance, homeowners association fees, and utilities, to name just a few.

JEN: So… Maybe something a bit smaller?

DRAGON: Perhaps. Aim to limit your housing and related expenses to 30% of your monthly budget. Have you looked at a tiny home?

JEN: Hey, I said a bit smaller!