<prompt> Human: My wife and I are getting ready to purchase our first house. I am getting different numbers from different affordability calculators and I feel like there are costs that Im missing which skew the numbers, and we dont want to purchase something that gets us stuck with more debt than we can handle. DetailsWe are in our mid-20s, have 110k annual household income, no debt, and a credit score at 710. We are planning on using a VA or FHA loan, and got estimated interest rates of 3.5-3.625. We have about 60k saved up, but were planning on taking the VA loan benefit of 0 downpayment, and invest some of the money and save the rest for a rainy day fund in case something goes wrong with the house.Putting these numbers into calculators we get some different figures:Source Amount------:Zillow 575kUSAA 575kLending Tree 453-669k  <response>: Be careful with these estimates. Look at who is recommending it: sites that want to sell you a house and those that want to loan you money. Its in THEIR best interest for you to spend more. I like the good old 3x your yearly income rule. 