Try it out
Why don't you "pretend" that you already own the house and start putting away the amounts that you think that you will need into a savings account.
It's hard to say what to budget unless we know the area of the country that you live. For example, if you live in the northeast and have oil heat than $400/mo for utilities is very low. Also, I think that you could cut back on your $2000 gas, food, clothing, entertainment budget to $1000-$1500.
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