Lenders are also capped by federal "conforming loan limits," which were recently increased due to rising home values.
If your household earns $100,000 a year ($8,333/month): Max Mortgage Payment : ~$2,333/month. how much money can i borrow to buy a house
: ~$3,000/month (this includes your mortgage). 2. Loan Limits for 2026 Lenders are also capped by federal "conforming loan