<prompt> Human: Wife and I married in 2017, 2018 we are now under contract for our dream house!Our net income looked to be rolling in smoothly every month after retirementtaxes at 8,500. I wanted to keep us right at the 25 mark for our mortgage payment, so I was looking at homes that were going to be 2,100 a month.But then, I ran into several issues that have skewed our ability to stay at that 25 mark-1. From the time we started looking at houses to the time we actually locked in our rate, our rate increased .25. not a big deal2. It was a new home that had never been assessed, the bankrealtorinternet were all off on the property taxes by 1503. Wife wasnt getting enough taxes taken from her pay, we owe Federal and State 3,000. we have the cash to pay this4. Wifes student loan goes from 490 to 720 a month this year, this was just poor planing on my part, I should have known betterSo now, in a matter of just days Ive found out that basically our net income dropped 250, our mortgage increased 175, and our student loans increased 300.Other not as important info;2 car payments total 600, no children yet but 2019, after we buy the house we will have appox 6 months emergency fund if the higher earner loses their job, but maybe two if we both lost our jobs. We put 10 down on the house and PMI is 90, our bank said we qualified for a house probably 150k more than we got  <response>: Well, you will certainly be house poorer than you anticipated.I doubt you will be desperately house poor.Probably your best bet is to tighten the budget and increase that emergency fund before possible baby.Good luck. 