Dave Ramsey Home Buying Guidelines May 2026

Community members often debate whether these rules are a safety net or a barrier to entry.

: Sticking strictly to the 25% rule on a 15-year mortgage can effectively price many middle-class families out of the market, potentially missing out on the wealth-building benefits of home equity. dave ramsey home buying guidelines

: You should have zero consumer debt (credit cards, car loans, student loans) before buying. Community members often debate whether these rules are