All the best in your efforts, and if you'd like some assistance in your search, I live and work in San Marcos. Please feel free to call.
(512) 914-8191 Cell
Texas Licensed Real Estate Agent
Here is a link to FHA home loans calculators that were designed to help determining how much you can afford to safely borrow in order to finance your home. Please take notice that this is just an example, without knowing your details. This calculator is created to help first-time homebuyers purchase a home but thought it may have some basic help to your affordability of a home.
Here is another home affordability calculator that you may try. This will help you to estimate a home loan amount that you can afford based on the amount entered in the fields, i.e. income, debt, down payment, etc.
Hope this helps. My office is in Wimberley but San Marcos is inside my marketing area. Good luck to your findings. Should you need to speak to a mortgage broker, I have some to recommend.
AmanVerde Real Estate
Daybreak RE, Broker
I'm a real estate agent in San Marcos, TX and I would be glad to help you! I work with multiple lenders in the area and I feel very confident I can get you in contact with someone who would be able to qualify you. Please feel free to contact me and ill do everything I can to make sure you get into the home you want with the best financing options available to you! Hope to hear from you soon!