# @raymiramontes_realestate on Instagram

- **Type:** Image
- **Original URL:** https://www.instagram.com/p/DdUhf6hjg1A
- **Gondola URL:** https://gondola.cc/posts/70454729-raymiramontes-realestate-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/3c0314b7f3.jpg
- **Posted:** 2026-09-15T20:02:59.000+00:00
- **Account Owner:** Ray Miramontes | CA Realtor (@raymiramontes_realestate) — https://gondola.cc/raymiramontes_realestate

## Caption

🏡 How much income do you actually need to buy a home in 2026?

A lot of buyers start with the home price—but the monthly payment and income needed to qualify can matter even more.

We broke down estimated numbers for homes from $500K to $1.2M, using an FHA-style scenario with 3.5% down and a 43% total debt-to-income ratio.

📌 SAVE this post if buying a home is one of your 2026 goals, and SHARE it with someone who keeps asking, “How much do I need to make to buy a house?”

💬 COMMENT the price range you’re considering and we can help you understand what the numbers could look like for your situation.

🚨 Ready to see what you may qualify for? Call or text Ray directly at 562-600-9793.

📲 Buying, selling, or investing in Southern California? Call or text Ray at 562-600-9793.

Ray Miramontes
The Mira Group | Circle Real Estate
DRE #01931740

Figures are illustrative estimates only. Qualification, rates, taxes, insurance, mortgage insurance, debt-to-income limits and payments vary by borrower and property. Lender approval required.

#HomeBuying2026 #FirstTimeHomeBuyer #FHALoan #HomeBuyerTips #CaliforniaRealEstate #SouthernCaliforniaRealEstate #LosAngelesRealEstate #LongBeachRealEstate #OrangeCountyRealEstate

## Stats

- **Views:** 0
- **Likes:** 2,248
- **Shares:** 0
- **Comments:** 124

## Tags

southerncaliforniarealestate, orangecountyrealestate, homebuying2026, firsttimehomebuyer, californiarealestate, losangelesrealestate, homebuyertips, fhaloan, longbeachrealestate, 01931740

---
Copyright (c) Gondola