<prompt> Human: The usual house affordability question. My wife and I are considering buy a house and we both feel its too much, but just by a little. Some anonymous and possibly snarky opinonations would be appreciated.House: 500K. Property Taxes 500month. Ins 110month. No HOA. Location: Howard County MD. Somewhat more expensive than average area for MD. 500K colonial is typical. Comparables in neighborhood run 460 - 480, but this house is bigger, has better location and has some valuable features.Income: Total: about 117KMe - 77KYr. In seven months I will make 90K. A government union job where promotions are automatic. Wife: 40KYr part time.Assets: 500K total. 200K set aside for house purchase. Have another 100K available. Not going to touch the remaining 200K under any circumstance.Debts: None.Credit Score: 777I am veteran and eligible for VA Loan. The house is under the Fannie Mae and Freddie Mac Maximum Loan Limits.UPDATE. Decided we cannot afford it, didnt buy the house.  <response>: Hold on to every dime you can. Money is still cheap. There is a significant difference between people who purchase homes who are wealthy and those who are not. The difference is, wealthy people hold onto to money and put it to work. 100k liquid is more valuable than paying 400 less a month in Mortgage payment. 