What is a smart amount to borrow for a mortgage based on my income?

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My wife and I make $ 80,000 between us. We only have one car payment and it is $ 500/month. I have no other loans or credit card debt. My credit is an 805 Equifax and 762 Transunion.

I am also aware of the ratio calculators but I am not looking to borrow the maximum amount and overextend myself. Does anyone know of any other calculators that are more conservative

We will be happy to hear your thoughts

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