<prompt> Human: My husband and I are house hunting, and I just want thoughts on our current budget and what we think we can afford. We will have to make a minimum down payment as we do not have enough for 20 probably should have planned better but it is what it is. My credit is good so we got approved for a loan, were trying to stay below 260,000. A 3 down payment for that would 7,800, which we definitely have and then some enough to cover closing costs and have a bit left over, hoping not to have to pay closing costs though. Our monthly income after taxes is about 6,200, although that is under estimating since my paychecks are usually higher than expected overtime, shift differentials. My husband currently gets quarterly bonuses that vary but so far tend to be around 15,000 before taxes was about 9,400 after tax. Those go towards debts and savings. Right now we pay 1,420 in rent, but if we got a house at top of budget obviously we dont want to do that mortgage would be close to 1,800 including taxes, PMI, etc.. We are planning to stay in this home at least 5 to 10 years, thinking closer to 10 if not longer. So that gives us time to grow into it and by that point we plan to be making more money annual raises, etc. Here are our other monthly expenses:Student loans combined: 886 majority are my husbands, planning to refinance those soon for better interest rate and paymentCar loan: 346Car insurance: 76Pet insurance: 56 worth every pennyPhone: 177 this is high, once we pay our phones off it should drop, which will be soonCredit cards: 150-200 most of this is cards on special payment plan with no interest. We have barely any actually accruing interestGas: 150Water: 60Gaselectric: 200Internet: 65Entertainment spotify, hulu, etc.: 50Groceries: 400 this may be an overestimation, but we also do food delivery sometimes like HelloFresh and I dont want to underestimatePet expenses: 75 we have multiple animalsFun money restaurants, nights out, shopping: 400Misc supplies cosmetics, meds, etc: 50  <response>: 57k in debt and youre about to add another 250k. Idk I guess that is normal but it would cause me anxiety. Realistically you should pay off some debts before you purchase your new house. That will make any unexpected bills house related... and they WILL come a lot easier to swallow. 