34K is gross or net?

Lenders will only lend about 3x gross wages at current rates. $34K gross would be roughly $100K.

Unless you find a lender special, FHA requires about the lowest down payment at 3.5%.

Lenders will charge PMI/MIP if you don’t put 20% down.

Property taxes, homeowners insurance, PMI/MIP, and HOA fees will all affect your monthly mortgage payment and how much house you qualify for.

Any on-going debt payments will count against your available income.

Roommates will not be considered as qualified income unless you are purchasing a property jointly. If it is a multi-family unit, rent for a separate unit may be considered.