<prompt> Human: EDIT: Thank you everyone for your comments! You guys have definitely given me some things to think about and be aware of during the home buying process. The comments have been since removed, and I know there were only 2 but I wanted to address it anyway- I know it probably seems silly to worry as much as I do, but I do not have a very high risk tolerance. I consider buying a house on the riskier side, not to mention the most expensive purchase I would be making thus far. Seeing the amount in my savings decrease significantly is very scary to me.Age: 29, single, no kidsNo debt, and credit cards are paid off in full every month. I honestly feel like financially anyway, I have all my ducks lined up but am still worrying about this being a bad financial decision. Even though my job has been very stable and secure so far, my main worry is being unemployed and not being able to find another job quickly. I know in that case, I can either rent out the house and move back in with my parents for a bit, rent out the spare rooms in the house, or even sell if absolutely necessary. With that said, heres my plan:I have set my hard upper limit to be no more 250k for the house. I have not gotten my loan approval back yet, but regardless of what they set me upper limit to be, this is how much Im willing to spend. I know that is more than 3x my income, so unless I absolutely love the location, the house and the house needs no major repairs andor renovations Id rather not buy at that price. Im much more comfortable looking and buying closer to 200k and thats is what Im really aiming for. Really dont want to end up being house poor.My down payment is part of my savings, which is why its so high. Im planning or maybe hoping that 50k will cover not only the down payment, but any other costs that are needed up front i.e. closing costs, inspection fee, etc. Im aware that should I end up with a house closer to 250K, 50k will no longer be realistic and I will have to adjust accordingly.That will leave me 20-30K, which Im hoping is enough wiggle room in case any of my calculations are off from above or any other unexpected costs come up. This will also cover furnishing the house. I do not plan to spend the rest of my savings on furniture, but maybe something like 5k? Hopefully, after everything is said and done, I will still have 15K left in the bank, or at the very least 10K. I would like to have my emergency fund be 20k liquid should be plenty for at least 6 months and sitting in a savings account. Anything more, and I will move that amount to a taxable investment account. Do no want more than 20K in a savings account as I know I can do better elsewhere. I know that probably having 80k probably wasnt a good idea and Id probably have a bit more had it not all been sitting in a regular savings account. I never planned to wait this long to buy a house, it was always Ill buy next year kind of thing... oh well, cant go back now and change it.Should I not have 20K left after housing costs, I plan to lower my contribution to my 401K down to 15-20 temporarily to bring back up my EF. Worst case scenario in case I somehow end up depleting my EF entirely, I can drop my contribution down to 6, which is the bare minimum to still receive my full employers match.Have I covered everything? Anything I should or need to rethink? Im really trying to cover all my bases because I know there are lot of costs aside from mortgage, insurance, and taxes when it comes to home ownership. Particularly repair and maintenance costs. Worried about overlooking something and getting hit with a huge unexpected bill.  <response>: Nicely done. It certainly does look like youve got all of your ducks in a row. I agree that your estimates are accurate, and 25 down on a 200k house will be more than enough to get you well underway on the house payments. As for the unexpected expenses which sounds like the thing youre worried about most just make sure you have the foundation inspected, look for moldtermite damage, and that the major appliances heaterair-con, water-heater are in alright shape. You really can only guess when something crazy is going to happen, and save a tidy sum to handle anything that happens. For myself, I greatly value financial freedom. Knowing that if I had a job loss I could wait 3 years to get a job, and then I would only need a part-time job at that. If you stockpile enough money for something like that as it sounds you have and are doing youll be fine : Good for you! Go find yourself a nice house! 