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Make $75K a Year? Here's How Much House You Can Afford

2026-07-02 · 18:42 UTC ·Win The House You Love ·2 min read

Brief

Kyle Andrew Seagraves's tutorial (published 2026-07-02) walks buyers earning $75,000 through calculating a realistic home budget: compare the lender's DTI-based maximum (often ~ $400,000) with a personal, stress-tested affordable price (~ $280,000). The workflow uses take-home pay, loan-specific max DTI, and expense stress tests, ending with actionable next steps and calculators.

Why it matters

On a $75,000 annual salary a lender may approve up to roughly $400,000, but Kyle Andrew Seagraves demonstrates a stress-tested, practical target closer to $280,000 after accounting for take-home pay and real monthly expenses.

Key details

  • Buyers need two numbers: the lender's maximum (set by debt-to-income limits) and a personal 'comfortable price' based on net pay, recurring costs, and a stress test; the video details how different loan programs set max DTI for a $75k income.
  • Seagraves (NMLS 1701021, NFM Lending) warns that formulas like 28/36 can fail—start with take-home pay, run a future-expense stress test, and only 'max out' when you're prepared for the tradeoffs; he supplies calculators and a buying timeline to implement this.
Source evidence

You make $75,000 a year, so how much house can you actually afford? A lender might approve you for a $400,000 payment, but the number that fits your real budget is very different. Here's how to find your comfortable price, not just the bank's max.

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TOP RESOURCES
📉 Today’s Rates → https://www.winthehouseyoulove.com/rates
🏡 Max Purchase Price Calculator → https://www.winthehouseyoulove.com/maxprice
📊 Loan Comparison Calculator → https://www.winthehouseyoulove.com/advisor
📅 Complete Buying Timeline → https://www.winthehouseyoulove.com/timeline
🎓 Lower Student Loan Payments → https://www.winthehouseyoulove.com/student
💳 Credit Score Simulator → https://www.winthehouseyoulove.com/credit

00:00 Why Your Lender's Number Is Too High
00:46 Two Numbers Every Buyer Must Know
01:49 How Debt-to-Income Ratio Sets Your Limit
02:09 Why Same Income Buys Different Homes
03:21 Each Loan's Max DTI on $75K Salary
05:01 When Maxing Out Actually Makes Sense
08:46 Why Rules Like 28/36 Fail You
10:38 Start With Take-Home Pay, Not Gross
12:26 The Stress Test Before You Buy
13:54 What $280K Actually Gets You
17:31 Stop Buying for Someone Else's Life
19:25 Your 2 Numbers and What to Do Next

— DISCLAIMER —
Kyle Andrew Seagraves is Licensed Loan Originator (NMLS 1701021) with NFM Lending (NMLS 2893), an Equal Housing Lender. Separately, Kyle owns Win The House You Love LLC, an education company. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This video is only for educational usage. All calculations should be verified independently. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. Not affiliated with the VA, FHA, or any other government agency. This video has not been approved by any government agency.

NFM Lending
1190 Winterson Road, Suite 300,
Linthicum, MD 21090
Toll Free: +1 (888) 233-0092
NMLS #2893
Equal Housing Lender

Channel: Win The House You Love
Published: 2026-07-02
Video URL: https://www.youtube.com/watch?v=z96v1hS4FIg