As you may know, banks will look into your debt ratio, your income, your credit score and your savings.
The FHA program will allow you to buy a property with 3and 1/2 percent down. If your savings are consistent that's better.
If you are planning to purchase a property, please call me (650) 291-9792, I will introduce you to a loan agent who will do the math for you and provide you with the pre-approval letter that will determine the $ value of the property you can purchase.
I highly encourage you to do so, we have several properties offered for sale - in San Mateo County - at an affordable price. I am sure you will be happy with your decision.
Hope to hear from you.