Places we looked at said she could go FHA and get a $170,000 townhome. None of my calculators have her getting that much with 3% down. Does this sound right? She doesn't have any debts, 1 credit card she pays off monthly, no car payment. I told her don't get your hopes up, the most she could do would be maybe $150,000 (which gets you NOTHING in Chicago), was I wrong? I make a bit more and was never quoted that high.