<prompt> Human: I am unmarried 29F with no dependents aside from my 2 cats. I make 66k annually and take home 1,500 biweekly. I would like to buy a house in the next 5 years. However, and I live near the SF bay area and homes in my area are expensive median price is currently 575k.I am having a hard time finding information about how much I could borrow to buy a house. I have 20K saved up in cash for a down payment. I have another 11k in a Roth IRA. I have found very conflicting info on how much of the Roth IRA I could use for the down payment for a house. I need to know if I should contribute to the IRA this year for 2016 or not. Aside from the Roth IRA I have about 35k in other retirement accounts 403b and 457. I will potentially have some type of pension through my work.My job is stable last 2 years, I have no debt, and my credit score is over 800. I save about 1,000 each month. If I aim for the conventional 20 down payment, I could not hope to own a home anytime soon because the prices here are so high. Ive looked at rent vs buy calculators, but I dont know what numbers to put in them since Im unsure how much of a loan Im eligible for. How much could I expect to be offered by a lender? I contacted mortgage brokers to ask what I might expect to be eligible for and none of them will give me a number without going through the pre-qualification process, including a credit check, and Im just not there, yet.Assistant: Its hard to think you would get qualified for more than 300 depending on your other obligations and your down payment. Even then youd be spending half your income at least on your mortgage. The property taxes themselves would create a large burden as well.Human: Thanks. This is the number I get from sites like credit sesame. There are no houses in my city at that price point.My sister bought a house in 2006. Her loan was 10x her annual salary. She is quite critical that I have not yet purchased a home. Things are different now.  <response>: In 2006 they were giving jumbo loans to people whose only qualification was a pulse. Things are totally different now. 