<prompt> Human: I am in my mid 20s and have 115k saved. My credit score is in the mid 700s and I have no debt. My only expense is that I pay 800-1,000 a year for car insure. I am maxing my Roth IRA and putting 15 plus a match of 5 into my 401k. This year I will make 69k pre tax with a raise to 82k pre tax next year. I plan on putting 20 down. Is it unrealistic to think I can afford a 400k house?  <response>: Qualifying and affording are two different things. You cant really afford a 320k mortgage on 82kyr, especially considering your DP closing costs and initial maintenancefurnishing will pretty much wipe your savings. Its a HUGE stretch. Find a cheaper home or keep doing what youre doing now. You are on a great path with regards to retirement and savings. 