There are a several factors considered when qualifying for a loan. In addition to your credit, your debit and income, as you mentioned, there is also credit card activity, employment status/history and capital (closing costs and down payment funds available).
The best way to know exactly what you can spend, is to call a lender and apply. There is no obligation and it shouldn't cost you anything. If you need help locating a lender, I will be happy to help. Good luck!
Amy Mitchell, Realtor