Buying a house at a price point where your monthly mortgage amount can equal your monthly rent amount is the Second Wall of Home Ownership. It may sound unlikely that you can own a place for the same cost as renting one, but remember you’ve been stashing cash for a down payment as fast and furiously as you can. That is the crux of the entire plan. The higher that down payment, the lower your monthly payment.

Here’s a calculator to help you figure out how much you can afford to spend on a house using your rent amount as your mortgage amount. If the bottom line number you get isn’t enough to buy a decent piece of property, you’ll know you need to save up a larger down payment. Experiment with that figure until you come up with a realistic home price.