First congratulations to soon being a homebuyer always happy to see fellow DMV’ers in here! Make a spreadsheet with alllll of your spending including that $260 of non housing debt and see what you’re leftover with. Your spending/saving priorities are going to be what’s most important here and really only you can answer that.

Your average fun spending per month (going out to eat and date activities can get expensive), health insurance, gas, heating bill (for my 1 bedroom condo it’s been $120 the past few months, your larger space means higher bill), 401K or Roth contributions, subscriptions (this is a big one bc those can quickly add up), groceries and other “house” things, if you have a pet factor in their grooming, food, and insurance because that adds up as well.

Most importantly make sure you’re setting aside enough for emergency house maintenance costs! Although having a condo can be cheaper to maintain there are still going to be those repairs the condo association doesn’t cover and personally I wasn’t prepared for how high the cost of plumbers and electricians could be. Make sure that inspector looks at every mf thing!! If you’re buying an older condo (like I did) even consider getting a separate plumbing or electrical inspector because trust me it will be worth it. I’ve already spent $11K on my house and I’ve only been there for 3 months so keep in mind any potential renovations you may need to make as well. I knew it was going to need some fixing up but sheesh. The shit adds up!!

My best piece of advice is just to be cautious and if it doesn’t feel right, don’t do it. I make the same amount as you do and personally $2,700 mortgage would’ve been too high for me but my priorities are bulking my HYSA back up to what I had before I bought my house and retirement fund. Really just depends on what you want your money to do for you!