Dave Ramsey Home Buying Guidelines Apr 2026

: You should have zero consumer debt (credit cards, car loans, student loans) before buying.

: Your total monthly housing payment (principal, interest, taxes, and insurance) should not exceed 25% of your take-home pay . dave ramsey home buying guidelines

“His principles make sense for avoiding debt traps, but in the current market, they're quietly pushing families away from homeownership entirely.” Yahoo Finance · 2 months ago : You should have zero consumer debt (credit