<prompt> Human: Hello rpersonalfinance,Please tell me Im not crazy.My parents are giving me and my fiance a 50k gift to go towards a downpayment. We live in Oklahoma and each work, I bring in 64k a year and shes doing 30k this is all before taxes. We have good credit and have been approved for mortgages as high as 310k when we first started looking could go higher, but were not even considering houses above 310kMy father believes that a 280k house on our income is unreasonable and we wouldnt be able to live comfortably with all the other unforeseen expenses with owning a home. Ive been reading that you want to try to have 25-30 of your income go towards your mortgage. At 94k combined income, and mortgage payments of about 1565 over 30 years, were clocking in at almost exactly 20 of our income going to our mortgage. Is this not relatively low compared to the average? Ive tried providing as much information to him as possible... the pre approvals showing our rates, the mortgage calculators to show what others would offer, online guides on home-buying and how much you can afford based on your income, and this normally brilliant man been a professor of mathematics at a major university for 30 years seems to have thrown logic and basic math out the window. For those that have gone through this process, what percentage of your income is going into the mortgage? Are you struggling? Do you wish you had gone another route? Any insight or resources would be appreciated... hes threatened to pull his gift if we dont go down to 200k for a house, but Id rather just tell him to keep his money, save a year, and put down a smaller downpayment on a house in the 280-300k range and not rely on his kindness.Edit: The title says 64k salary which was just mine. The loan would just be in my name for now and all the pre approvals have been with just the 64k figured in. My fiances 30k a year is just bonus income to help with living expenses.  <response>: Youre counting your SOs income. Youre not married. They can leave whenever they want. Its still not absolutely terrible on just your income, but it wont be fun. And you could get a roommate with the benefits and hassle that entails.That said, 13 of gross income is the average, not the ideal. Yes its doable, in the same way that living paycheck to paycheck with thousands in CC debt is doable.My understanding is that OK is not a high-cost real estate market. Usually when one lives in such places, one expects to pay far less for housing. E.g., Im in TX and pay 10. 