Hi Dannal,
Regardless of the savings you build up, it might be a good idea to continue to check on mortgage calculators to see what your repayments would be with various mortgages. Based on your OP, I would have said 200k was way above what you should be paying based on your income. If your net monthly income was 3k, even a mortgage repayment on 200k over 35 years would be nearly 1k a month. With your income, you don't want to really be making monthly mortgage payments of more than 25/30% of your monthly NET income.
Best of luck!
Regardless of the savings you build up, it might be a good idea to continue to check on mortgage calculators to see what your repayments would be with various mortgages. Based on your OP, I would have said 200k was way above what you should be paying based on your income. If your net monthly income was 3k, even a mortgage repayment on 200k over 35 years would be nearly 1k a month. With your income, you don't want to really be making monthly mortgage payments of more than 25/30% of your monthly NET income.
Best of luck!