re: Help determining how much mortgage I can afford

I was in a similar situation when we bought our first home.

At that salary range I was bringing home about 2400ish a month after taxes.

I had more debts than you, and was supporting my wife while she finished school. It was very tight all the time, and I didn't ever put any money back.

You also have to consider other bills, on a $700 mortgage payment expect all housing bills to tally around $1100 with power, internet, cable, tv, water, etc.