>>1765127280k you can not afford a 400k house currently.
Take home pay after taxes is right around 5k per month assuming no 401k contributions etc just post taxes.
A 400k house is 3,300 a month assuming 1% prop tax 125 HOA and 20k down payment and 6.75% rate. That would put at more than 60% of take home pay for just the mortgage payment lmao
Pic related its the payment on a 400k house in todays market