# I looked at my dream house on my fridge again

Let’s use Dave Ramsey’s official calculator to see if I could buy it yet.

Your mortgage payment should be no more than \$1,955, and your total mortgage amount should be no more than \$264,301

At an interest rate of 4% on a 15-year fixed mortgage, you can afford a:

• \$293,667 home with 10% down (\$29,367)
• \$330,376 home with 20% down (\$66,075)
• \$377,572 home with 30% down (\$113,272)
• \$440,501 home with 40% down (\$176,200)

I would need a \$335k down payment, which is basically my net worth.  And that’s assuming no taxes… and Zillow thinks the house is worth \$825k now… so… bleh.  On the one hand, it would’ve been a great buy.  On the other… I’m in a much less risky position… and much better able to save up living expenses to start a business which could be the big money win.

Oh, and just for fun let’s look at the monthly taxes for an \$825k place.  \$860 a month.  So even if I could pay for it, it’s at least \$1200 in monthly fixed costs… and that’s not even thinking about maintenance.  Bleh.