Set a home price range I can comfortably afford

Help me work out a home price range I can comfortably afford. This is step 1 of buying my first home. Gross income per year: [AMOUNT before tax, for me and any co-buyer] Take-home pay per month: [AMOUNT after tax and deductions] Monthly debts: [car, student loans, credit cards - minimum payments] Current monthly spending: [rough total, or main categories] Savings available: [total, and how much I'm willing to use] Credit score range: [e.g. "around 720" or "not sure"] Area I'm buying in: [CITY/REGION - affects taxes and insurance] Mortgage rate to assume: [CURRENT QUOTED RATE, or "use a placeholder I can change"] Do this: 1. Estimate the full monthly cost of owning at three price points: principal and interest, property tax, homeowners insurance, mortgage insurance if under 20% down, HOA, and a maintenance reserve (1-2% of the price per year). Show your math and mark every assumption as [CONFIRM]. 2. Compare each to my income. Flag where housing goes above roughly 28% of gross income, where total debt payments go above roughly 36% of gross income, and where the payment squeezes my monthly savings from take-home pay. 3. Total the cash I need up front: down payment, closing costs (often 2-5% of the price), moving, immediate repairs, and an emergency fund that stays untouched after closing. 4. Give me three ranges: comfortable, stretch, and too risky, with one sentence on why. 5. List what would raise my range (paying down debt, a bigger down payment, a better credit score) and roughly how much each might help, with the math shown. Return a summary table first, then the details. This is general information, not financial advice; confirm numbers with a lender or a fee-only financial advisor. Keep the result - the next step uses my price range to build a home-search scorecard.