<prompt> Human: Wife are I are currently looking for homes in the 300-350k price range. I make about 85,000 per year taxable and roughly an additional 40k per year in non-taxable income in the form of per-diem. Per diem is not guaranteed in the future, so I am only counting on my taxable income right now. Wife makes 55,000 per year.We have 40,000 in a savings account, and 10,000 in an IRA which will not be touched. My companys 401k is shit so I max out my IRA, and she is not yet eligible for her companys 401k, however we will fully contribute once she is, as they match 100.My brother is giving me 28,000 to help with a down payment, and I do not want to spend more than 20,000 of my own savings for the down payment. I know we will need roughly 5,000 in closing and all that, maybe another 5,000 for moving costsrepairs. We are looking at putting 48,000 down which would roughly be 15 on a house in that price range.We have no debt other than our vehicles which total around 1,100month. My company gives me an allowance for my truck in addition to my salary that covers my note, so we are out of pocket about 500 a month for my wifes car.Rent currently is 1,500 a month, and is going up. Could be looking at as high as 1,800 depending on how long we renew for.Weve been saving and working on our credit scores for quite some time to prepare for this.I budget everything down to the penny like its my job. Thanks YNAB! When I get per diem, I was able to put 4,000 every month into savings and 400 every month into my IRA. I dont get per diem at the moment, so I am only able to save a couple hundred every week. In Summary:300K-350K house140K annual household income. Sometimes more.No more than 48,000 down payment. 20k of my savings, 28k from my brotherHave 40,000 in savings currently. Goal is to have 20,000 left for closing costs, moving, and emergency fund.No debt other than vehicle loansCurrent rent is is 1500month. PI taxes PMI on the house will equal roughly 2,000-2,200month.What do you think? Assistant: Looks like youve got this, except I would point out youre probably severely low balling closing, and are likely off by almost 10k. Human: So you think total closing would be 15K??. That leaves me with only 5k left in savings and that is not goodAssistant: Definitely more than 5000. Its usually between 3-5 of house price. Plan on 4. So 12,000 to 14,000. Than hope for lower.Human: Wow I expected 10,000 at the most. Should I put down less?  <response>: No, you should save up more. 