<prompt> Human: We trying to decide how much home we can actually afford with out strugglingI make 50k and my wife makes 35kTake home pay is about 2700 after taxes and deductions. My wifes take home pay is about 2400 after taxes and deductions.We have about 14k in savings.We qualified for a portfolio loan through bancorp.Zero down, no PMI, 30yr fixed rate at 4.5 My expenses: Car note: 300Insurance: 60Credit cards: 100Phone: 100 phone payment planMy wifes expenses are about the same.How much total can we comfortably afford each month with mortgage plus utilities ??  <response>: You have credit card debt while living at home with your parents? Im sorry, but you arent ready for a house. Get your financial affairs sorted out first. Make a budget and pay of your debts. There are hundreds of dollars of monthly costs you havent factored in yet. You will also need to save for an emergency fund. 