<prompt> Human: Not bs-ing you, just want your legit input. Dont plan on telling my friends or fam, but theyll probably know somethings up at our housewarming party lmao.So, my father-in-law just retired early and hes loaded. In short, he just texted all of his sons...my husband included...that he will be giving each of them 300K for down payment on a house. We are still in our 20s, and want to know...should we stick to our original plan of buying a 300k or less home, or aim for something in the 680K range which im okay with? I am really interested in living in a nice area, long term, so that our future children could reap the rewards of a quality education, etc...but I want your insight. Too much money for a 20-something to think about; so I wanna be smart.  <response>: If you can comfortably afford the taxes and insurance on the more expensive house then Id say you are better off getting a house you plan to stay in rather than a starter house. If you were initially targeting 300k and you now have and extra 300k to add too it I would suspect that you will now be looking at a maximum of 4-500k due to the increased costs of tax, insurance, furnishings and upkeep. Personally I would just buy a house with cash but in my area 300k gets a house I would be long term happy with 