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$100K Salary: How Much House Can You Actually Afford?

2026-06-12 · 19:11 UTC ·Win The House You Love ·2 min read

Brief

How Much House Can You Actually Afford on a $100,000 salary (tutorial) by Kyle Andrew Seagraves outlines a practical workflow: get pre‑approved, compute a lender max and a separate comfortable max using the channel’s calculators, 'practice' the monthly PITI+HOA/maintenance payment, budget for closing/taxes/insurance, and consider a stepping‑stone purchase strategy.

Why it matters

On a $100,000 salary, Kyle Andrew Seagraves (Win The House You Love; NMLS 1701021) teaches two target numbers: the lender‑approved maximum and a lower, 'comfortable' maximum based on actual monthly cashflow—he walks viewers through getting pre‑approved, using the channel’s Max Purchase Price and Loan Comparison calculators, and 'practicing the payment' (practicing payment segment at 9:36).

Key details

  • Affordability hinges on loan program debt‑to‑income limits (covered at 5:55) and adding recurring costs: principal+interest+taxes+insurance (PITI), HOA, maintenance, and closing fees (budget segment at 11:10). He recommends a stepping‑stone buy/upgrade strategy (15:55–18:54) and verifying numbers with a licensed originator (video published 2026-06-12).
Source evidence

You make $100,000 a year, so how much house can you actually afford? Not the number the bank approves, the one you can comfortably live with. Here's how to find your real number.

► ► Get Pre-Approved With My Team → https://www.winthehouseyoulove.com/lender
► ► Get An Agent Referral → https://www.winthehouseyoulove.com/agent

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

0:00 Max on $100k salary
1:18 2 numbers
2:32 How lenders find your max
3:39 Example
5:12 What is a debt?
5:55 DTIs by loan programs
7:04 When maxing out is fine
7:54 Your comfortable number
9:36 Practicing the payment
11:10 Budget for additional costs
12:34 Starting point
13:15 Real home examples
15:55 The biggest benefit
17:16 Stepping stone approach
18:54 Buy for your life
19:47 Your plan
20:26 Your number

— 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: 2026-06-12
Video URL: https://www.youtube.com/watch?v=A4GxRVnNT-8