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First post here--find this site pretty interesting....just seeing if anybody will have a general answer. Both making about 40k a year, she's a teacher, credit score 748, I'm in the 650's, probably will have around 35-40k to put down. No car loans, both paid off--taxes around 4800 a year, insurance around 850 a year...she has a $300 a month student loan payment, low cc debt, and I have only 1 card, that's paid off monthly. Other housing expenses about 5-600 a month. My guesses around 225-240? am I way off? thanks,