How can I figure out how much I will be approved for?Hi! I have tried many different mortgage calculators and each one tells me something different. I am hoping that someone will be able to tell me how I can figure out how much house I can afford. This year I will make 72000 with overtime and bonuses. If you dont count overtime and bonuses I will make 48000. Last year I only made 46000( I recieved a raise this year and my company also added the bonus program) I have 279 in debt(auto loan) and my lowest credit score is a 640 highest is a 660. I am also looking for a USDA loan. Any help would be appreciated! Also how can I better figure out closing costs?Thank you for your timeApril 19 2012 - Bethlehem Township00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.