<prompt> Human: I am usually the practical type and this does not seem like a great idea but need some other opinions. The houses in my area sell fast, within a day or two. There are some houses in the 300,000 range that stay on the market longer and offer a rediculous list of upgrades and are close to work. I think being a little more expensive keeps them from selling as soon as they are listed. Anyways, i would hope to buy the house for 290,000. I have 20k plus my parents will front me the worth of my current paid off house to put down 45k. So that is 65,000 down. So a mortgage of 225k. That would be about a 1400 monthly mortgage. I take home 1400 every two weeks from work. I get 4 matched at work for 403b and hve 11k in my roth. Have a 10k car i bought with cash. No other debt. 30 years old, single no kids.  <response>: A mortgage payment of 50 of your take home pay is too high. You will be struggling in no time. As you may know from your past experiences, houses also have additional costs beyond the mortgage, repairs maintenance etc, and these costs will probably be higher for a 300k house than a 45k house. 