<prompt> Human: I make 16 an hour and get maybe 5 hours of overtime a week, though I could get more if I wantedMy wife makes 10 an hour 40 hours a week.Combined thats around 4,160 a month before taxes.The only bills we have to pay is our car insurances, which are 100 a month each.Were buying a brand new 3 bed 2 bath 1,300 sq ft house for 208,900 or 1,850 a month.We dont have to pay any closing costs or put any money down.That includes property taxes 364, homeowners insurance 60.93, as well as a fridge, oven, microwave, and a 1 year warranty for HVAC, plumbing, electrical, mechanical, as well as a 10 year warranty for foundation and framing. This area is in Liberty Hill which is right outside of Austin, Texas, is going to be increasing in development.Am I paying way too much?  <response>: Your number dont look right to me. 189000 .05 For 15 years is a PI is 861 per month add in 364 and 60.93 is a total payment of 1285.93. How much is your PMI? 