I would really recommend not buying a little more than you can afford, especially as a first time home owner.
There are going to be a lot of costs that you hadn't considered, didn't know about etc. The last thing you need is to be strapped for cash going into it.
Google is your frenemy.
Caveat Emptor - Latin for tough titty
I tend to interpret things in the way that's most hilarious to me
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