[jeebuss31]

Jim-

You are correct. We are focused on the house. And people like you are great assets to help remind us young buyers what we really need to realize and that is savings.
But every family is different, and I do appreicate your effort in making me think through this before I make a decision.

I've come up with a plan and here is what I'm shooting for.

-Mortgage $2100-2200(tax,ins) Looking in the 380k-400k
-30% percent down payment( we have 20% saved) if house is 395k, loan would be 280k

I'm not going to list everything down, but after paying bills, entertainment, grocery,debt,utlites, 401k,etc etc, we are left with $1985( about 26% of our take home pay). These funds will be distributed to: Nest Egg($800),our own accounts($200 each), and Combine account/house expenses($985).

Now, since we're building, we should have a good 3 years before replacing anything in the house(as long we keep everything updated).
By then our income will be alot more and our nest egg and house funds will increase (provided we don't have issues)