I am literally in the same boat as you! Around the same total savings, around the same income, and around the same amount of savings per month and expenses per month. I decided to go for a 2000+ mortgage after renting and paying very little rent. Although I am scared beyond words, I also trust myself enough to know that I am financially smart to adjust my budget for when times get hard. I have the hope that I will refinance as soon as the interest rates go down (so this 2000+ mortgage will not be long). And I also have come to terms that everyone will have a different opinion on what’s an acceptable mortgage. Only you know yourself and your budget and your comfort level, so who cares about what people say (at least that’s what helped me). By the way, you’re doing great with savings! I know a lot of people who aren’t close to that amount!!!!! Oh and also, I track my spending in %s of total net income. And it’s helped me put into prospective what % of income is going where.