<prompt> Human: Recently started a job making 68k a year. After 5 contribution to Roth 401k I net about 1730 every two weeks. I have an offer in on a home for purchase price of 245k. The loan is USDA so I am putting 0 down. After taxesinsuranceetc. my mortgage is going to be 1400 a month. Beyond this I have no debt, expenses are around 150 in gas every month, 250 a month in food, 100 in entertainment a month. I am over the 3x your income limit on a home purchase but feel the mortgage is reasonable with my salary but am looking for other opinions  <response>: Holy cow thats an expensive house for you. I wouldnt recommend spending that high of a percentage of your income on your home. 