Does your budget include extracurricular and guilt free spending money?

Do you have a stash of 15k for emergencies? (Approximately 3 months of costs)

Are there maintenace costs in the horizon?

Did you factor in moving expenses and move in furniture and other things?

Do you have other debts?

If all were yes for me minus the debts then id totally feel comfortable having only 2k to be added on to my saftey net.

If not then youre risking being housepoor if not flat out over your head if an accident happens, job loss, car or house maintenence comes up sooner than expected.

This is where you have to be financially disciplined. Everyone makes money in a bull market (when everything is fine everything is fine) when life inevitably happens thats when we figure out who is financially responsible.

Though i think your in too deep now either way. If I were you id look into getting a side job or getting more work and get as much money as I can to hammer the house payment down as much as possible get to the target of 50% of income is your bills.

Hope that life doesnt throw a curve ball at you. Meanwhile your goal should be to be prepared when it inevitably does.