: Factor in more than just the mortgage. Include property taxes, homeowners insurance, maintenance (budgeting ~1% of home value annually), and utilities.
: While 20% avoids private mortgage insurance (PMI), many programs allow as little as 3.5% (FHA) or even 0% (VA/USDA). can i buy a house
: Some countries, like Japan, have unique markets for "Akiya" (abandoned homes) that may be more affordable than major US cities. To help you get a clearer picture, : Factor in more than just the mortgage