<prompt> Human: Im going to be purchasing a house this summer as a first time homebuyer and Im trying to budget how much I can spend. Currently our rent is 800mo and Im looking at a house that will have a mortgage of about 1800mo which would put us precisely at 28 gross income and 36 DTI. Im wondering if going that high is actually reasonable or if the 2836 rule is more of an indicator that youre going to be spreading money extremely thin. Does anyone have experience with having your numbers around or above I guess the 2836 rule? How comfortable are you with spending that much?EDIT: The mortgage includes taxes, insurance, and a PMI that would be about 100.Assistant: Absent other information, I would not say that is unreasonably high. But your monthly expenses are increasing by 1000 per month. Probably more like 1200 including utilities. Probably more like 2000 for the first few months. Does that seem like too much?Edit: does that 1800 include tax? Human: It does include tax and insurance. Why do you say that the first few months would be more like 2000?  <response>: Because youll probably end up needing to buy stuff. A lawnmower, light bulbs, sheets for a guest room, furnace filters, rakes, whatever. There tends to be a fair bit of incidental cost to moving - especially if you are moving from an apartment to a house. 