Mortgage PITI payment would be about 50% of take home pay, but it fits easily within my budget. We max out 401k, HSA, and backdoor Roth. We also have about 150k in savings in case things get tight and saving an additional 1k per month. Is this still too tight?

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Very tight. Don’t end up house poor.

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That’s all included in my budget and my extra savings.

You are fine. In the event that you need to build cash, you can reduce savings to cover any gaps.

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If it’s in your budget, then I don’t see why not…can you use maybe 50k of the $150k savings to increase down payment and decrease monthly payment?

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50% is really tight. Are you using any of the 150k as a down payment? And to clarify, your “take home pay” here is pre- 401k/HSA/IRA contribution, correct?

Yeah I get that, I’d love to buy a less expensive house but it’s just not really feasible where I live

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