ATLANTA, Ga. (CBS46) One of the most challenging tasks you face in house hunting, especially if you’re a first-time buyer, is determining how much house you can afford.

A recent survey of home buyers found that one-third said they wound up spending more than they expected to, and nearly a third put in a higher down payment than they initially expected.

So to keep from falling into a debt trap, how much should you put down and how much should you figure for your monthly mortgage payment?

Better Call Harry and Consumer Reports have answers.

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