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Reply to "Have 250K for downpayment, HHI~110K, how high would you feel comfortable going up?"
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[quote=Anonymous]OP back. Thank you guys for all the pointers. We met with our financial advisor and decided to postpone the SFH purchase until we feel comfortable going forward, i.e. need to save additional $$ for down payment (or emergency fund). It's not like we are really in a hurry to buy a home at this time. And, I so understand the PITI at $1800 rule. That would be my ideal payment. And, to make it to PITI at $1800, we need bit more $$. We were able to save that much because we did not have a child (almost everything came from pre-kid savings), and our HHI pre-child was anywhere 130K~150K, so we saved, saved and saved. Thereafter, kid came and the large chunk disappeared to childcare, also got hit by one spouse losing the job during that time. We would probably could saved close to 300K if not losing a job, but that is life. Again, thank you so much!! [/quote]
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