Your lender decides what you can borrow, but you decide what you can afford.
Lender are careful, but they make qualification decisions based on averages and formulas. They won’t understand the nuances of your lifestyle and spending patterns quite as well as you do. So, leave a little room for the unexpected-for all the new opportunities your home will give you to spend money, from furnishings to landscaping to repairs.
Deciding how much home you can afford should invoive some careful attention to how your financial profile will change in the upcoming years. In the long run, your own peace of mind and security will matter most.