{"id":24089,"date":"2026-04-19T17:41:58","date_gmt":"2026-04-19T17:41:58","guid":{"rendered":"https:\/\/breatheasyloans.com\/?p=24089"},"modified":"2026-04-19T17:41:59","modified_gmt":"2026-04-19T17:41:59","slug":"how-to-budget-for-a-house","status":"publish","type":"post","link":"https:\/\/breatheasyloans.com\/?p=24089","title":{"rendered":"How to Budget for a House"},"content":{"rendered":"<div>\n<p>Becoming a homeowner is super exciting, you guys! There are so many fun decisions to make. City or country? Ranch house or townhome? Fixer-upper or move-in ready?\n    <\/p>\n<p>But no matter how you answer those questions, the most important thing is buying a house you can actually afford\u2014and making a good home budget is the biggest key to making that happen.\n    <\/p>\n<p>Plus, budgeting for a house doesn\u2019t require some kind of fancy degree in economics or finance. Nope, no expertise required. You just need to follow five simple steps.\n    <\/p>\n<p>Let\u2019s dive in!\n    <\/p>\n<h2>How Do I Budget for a House?<\/h2>\n<p>We\u2019re about to walk through the five key steps to make a home budget. But first, I need to warn you\u2014you should only buy a house when you\u2019re debt-free with a full emergency fund. Otherwise, owning a home and covering the expenses that go along with it will be super stressful.\n    <\/p>\n<div class=\"BlogInsert-copy\">\n<p>Avoid overpaying for your home with a RamseyTrusted<sup>\u00ae<\/sup> agent.<\/p>\n<\/p><\/div>\n<p>Without that kind of margin in your budget, anything that goes wrong or needs repair (like a broken fridge or leaky roof) can turn an inconvenient expense into a full-blown money crisis. So before you start making your house budget, pay off all your debt and save up an emergency fund worth 3\u20136 months of your typical expenses.\n    <\/p>\n<p>Once you do that, these five steps will set you up with a great plan for buying a home on a budget.\n    <\/p>\n<p><img decoding=\"async\" loading=\"lazy\" data-cke-path=\"null\" alt=\"Buy or Sell Your Home With Confidence\" src=\"https:\/\/breatheasyloans.com\/wp-content\/uploads\/2026\/04\/agent-visual-cta-banner-v2.png\"\/>\n    <\/p>\n<p>\u00a0\n    <\/p>\n<\/p><\/div>\n<div>\n<h2>Step 1: Set Your Savings Goal<\/h2>\n<p>The first step to budgeting for a house is figuring out your savings goal by asking yourself these three simple questions.\n    <\/p>\n<ul>\n<li><strong>How much house can you afford?<\/strong> Divide your monthly take-home pay by four. Ta-da! That\u2019s how much of a monthly payment (including principal, interest, homeowners insurance and HOA fees) you can afford on a house with a 15-year fixed-rate mortgage. (Anything more than 25%, and you run the risk of being house poor!) Our free Mortgage Calculator will give you a good look at the monthly payment you can expect for different home prices.<\/li>\n<li><strong>How much of a down payment do you want to make? <\/strong>If you\u2019re a first-time home buyer, you\u2019ll want to save up a down payment of <em>at least <\/em>5\u201310%. But if you can swing a 20% down payment, that\u2019s even better\u2014it\u2019ll keep you from having to pay for private mortgage insurance (PMI), which can be pricey. Plus, a bigger down payment means smaller monthly payments on your mortgage. Who doesn\u2019t love that? And don\u2019t forget about extra money for closing costs and any other expenses that could pop up during the home-buying process.<\/li>\n<li><strong>When do you want to buy a house? <\/strong>The way you set up your budget for buying a house will depend on <em>when <\/em>you\u2019re planning to buy. For example, if you\u2019re on the fast track to buy a house in 10 months, you\u2019ll need to save more aggressively to reach your down payment. But if you don\u2019t want to buy for a few years, you don&#8217;t have to be quite as intense.<\/li>\n<\/ul>\n<p>Next, it\u2019s time to do some math (hooray!) to figure out how much money you\u2019ll need to save each month to reach your goal. Divide the amount you plan to put down by the number of months you want to save.\n    <\/p>\n<p>Let\u2019s look at an example to see how this works. We\u2019ll say a married couple that makes a $130,000 combined salary wants to get super aggressive and save up a huge 33% down payment over the next two years so they can afford the monthly payments on a $300,000 house (with a 5.5% interest rate).\n    <\/p>\n<p>Here\u2019s what their savings goal would look like:\n    <\/p>\n<p><img decoding=\"async\" loading=\"lazy\" data-cke-path=\"null\" alt=\"House Savings Goal for Married Couple\" src=\"https:\/\/breatheasyloans.com\/wp-content\/uploads\/2024\/12\/how-to-budget-savings-v2.jpg\"\/>\n    <\/p>\n<p>Now, you may be thinking $200,000 isn\u2019t a whole lot to spend on a house. But here\u2019s the deal: You <em>may <\/em>have to adjust your expectations when you\u2019re buying your first home. House prices have gone up a <em>ton <\/em>in the last few years, so you\u2019re probably not going to wind up with your dream home right out of the gate.\n    <\/p>\n<p>Don\u2019t feel bad about buying a smaller, more affordable starter home if that\u2019s what you can afford. And if you have to compromise on location, that\u2019s okay too. Trust me: You\u2019ll be so thankful you didn\u2019t overspend on a house just because you wanted it to look and feel a certain way. Plus, you can always upgrade down the road when you can afford to!\n    <\/p>\n<p>Now, you may be thinking that saving $100,000 is way too big of a goal for this couple. But once you see how all the numbers work out as we walk through this example, I think you\u2019ll be surprised by how achievable this can be for them\u2014and you!\n    <\/p>\n<h2>Step 2: Write Down Your Income<\/h2>\n<p>Once you\u2019ve set your savings goal, the next step in budgeting for a house is writing down your income (after taxes). After all, you can\u2019t make a budget if you don\u2019t know how much money you\u2019ll have to spend!\n    <\/p>\n<p>So, sit down and add up every source of income you get each month. That includes your salary, any side hustles you have, and any other money you plan to make during the month. You want to account for <em>every <\/em>dollar you\u2019ve got to work with.\n    <\/p>\n<p>Here\u2019s what this step will look like for our example couple:\n    <\/p>\n<p><img decoding=\"async\" loading=\"lazy\" data-cke-path=\"null\" alt=\"Income for Married Couple\" src=\"https:\/\/breatheasyloans.com\/wp-content\/uploads\/2024\/12\/how-to-budget-income-v3.jpg\"\/>\n    <\/p>\n<p>Super easy, right?\n    <\/p>\n<h2>Step 3: List Your Expenses<\/h2>\n<p>Now that you know how much money you\u2019ve got coming in, it\u2019s time to figure out where it\u2019s all going to go by listing your typical monthly expenses. If you\u2019re already living on a budget, then you\u2019ve already completed this step! But if this is your first time making a budget, I promise it\u2019s not as difficult as you think.\n    <\/p>\n<p>Start by covering food, transportation, housing and utilities\u2014aka, the stuff we <em>all <\/em>have to pay for. Then, think about any other major categories you spend money on each month\u2014subscriptions, clothing, entertainment, routine car maintenance, eating out and (most importantly) generosity. And since you\u2019re saving for a house, one of the categories on your budget will need to be \u201chouse savings.\u201d\n    <\/p>\n<p>Once you finish listing out the categories, you\u2019ll need to figure out how much you\u2019re going to spend on each of them. If you\u2019re not sure how much money you should put toward a particular category, look at recent bank statements and receipts to get a good idea of how much money you\u2019ve been spending in each area. And don\u2019t forget to plug the number you got from step one into your \u201chouse savings\u201d category!\n    <\/p>\n<p>Let\u2019s go back to our example of the married couple who each makes $65,000. Here\u2019s what their home budget might look like after completing this step of the process.\n    <\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" loading=\"lazy\" data-cke-path=\"null\" alt=\"Home Budget for Married Couple\" src=\"https:\/\/breatheasyloans.com\/wp-content\/uploads\/2024\/12\/how-to-budget-married-v2.jpg\" style=\"text-align: center;\"\/>\n    <\/p>\n<p>As you probably noticed, they\u2019re currently planning to spend more money than they actually make. We don\u2019t want that! Luckily, the next step will help them (and you) get back on track.\n    <\/p>\n<h2>Step 4: Make Adjustments<\/h2>\n<p>If this is your first budget, there\u2019s a good chance you\u2019ll wind up with more money going out than coming in when you list your expenses\u2014just like the couple in our example. That means you need to do one of two things: Increase your income or decrease your expenses.\n    <\/p>\n<p>To start, you can increase your income by getting a side hustle, working overtime, selling items you don\u2019t need, or plenty of other ways.\n    <\/p>\n<p>When it comes to lowering your expenses, here are three of my favorite ways to spend less while saving for a house:\n    <\/p>\n<ul>\n<li><strong>Temporarily stop investing. <\/strong>Consistently saving for retirement over time is a major key to a good financial game plan. However, if you want to pause investing while you focus on saving for a house, that\u2019s A-OK. Just make sure you pause your investing for no more than three years (and go right back to investing 15% of your income every month as soon as you buy a house).<\/li>\n<li><strong>Eat at home more often. <\/strong>There\u2019s nothing wrong with eating out, but taking fewer trips to restaurants is a great way to save a whole lot of money (just make sure you add a little extra to your grocery budget).<\/li>\n<li><strong>Limit your paid subscriptions. <\/strong>It feels like there are a million different streaming services to choose from these days\u2014and the costs can add up <em>quickly. <\/em>So, if you\u2019re looking for an easy way to cut down on expenses, canceling some subscriptions is a great way to do that. Not only are there lots of great free streaming services available, but chances are you don\u2019t need Netflix, Hulu, Max\u00a0<em>and\u00a0<\/em>Disney+.<\/li>\n<\/ul>\n<p>Small changes like these can really add up, you guys. Don\u2019t believe me? Let\u2019s go back to our example couple.\n    <\/p>\n<p>Say the couple takes all three of those steps to cut back on expenses, <em>and<\/em> they each start a side hustle that lets them bring home an extra $175 a month. Here\u2019s what their updated budget would look like:\n    <\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" loading=\"lazy\" data-cke-path=\"null\" alt=\"Home Budget for Married Couple With Adjustments\" src=\"https:\/\/breatheasyloans.com\/wp-content\/uploads\/2024\/12\/how-to-budget-married-adjustments-v2.jpg\"\/>\n    <\/p>\n<p>Pretty big difference, huh? With just a few small tweaks, this couple went from being over $2,000 underwater on their budget to having a zero-based budget that will let them make a 33% down payment on a new home in just two years.\n    <\/p>\n<h2>Step 5: Track Your Progress<\/h2>\n<p>Once you\u2019ve <em>made <\/em>your home budget, you can\u2019t stop there! For this whole thing to work, you\u2019ve also got to <em>stick <\/em>to the budget and track your progress. That means you\u2019ll need to review your transactions throughout each month to make sure you\u2019re staying in line with the amounts you\u2019ve set for each category of expenses.\n    <\/p>\n<p>My favorite way to do that is using the EveryDollar app. When you buy the premium version, you can link your bank account so the app will automatically download all of your transactions. It makes keeping up with everything super easy\u2014no need to worry about old bank statements and receipts!\n    <\/p>\n<h2>You\u2019ve Got This!<\/h2>\n<p>If you\u2019re sticking to your budget every month, you\u2019ll stay on track to hit the saving goals you set in step one. That means it won\u2019t be long before you\u2019re ready to buy a house. That\u2019s so exciting!\n    <\/p>\n<p>\u00a0\n    <\/p>\n<h2>\u00a0<\/h2>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/real-estate\/5-steps-to-buying-home-wont-bust-your-budget\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Becoming a homeowner is super exciting, you guys! There are so many fun decisions to make. City or country? Ranch house or townhome? Fixer-upper or move-in ready? But no matter how you answer those questions, the most important thing is buying a house you can actually afford\u2014and making a good home budget is the biggest<\/p>\n","protected":false},"author":1,"featured_media":24090,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24089","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Budget for a House | Breathe Easy Loans<\/title>\n<meta name=\"description\" content=\"Becoming a homeowner is super exciting, you guys! There are so many fun decisions to make. City or country? Ranch house or townhome? 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