Partner wanting more home than I think we can afford
Like the title says my partner and I are planning to buy a home hopefully early next year, at our savings rate we should be at about 100k we want to build a home. We have not gotten bank pre approval yet but using the online calculator I see we will be approved at about 500k. I have been sending him homes in the 3-400 k ranges but he looks either uninterested or disappointed. Honestly I don’t even mind getting a home form 200k it would mean less mortgage debt to worry about.
I know the type of house he wants to buy and it would put us over my comfort zone which I have told him before and he just says “let’s see what we can afford when it’s time to buy the house” unless he has an extra 100k lying around I don’t think we can afford more than 400k comfortably.
I’m more risk averse for sure, we make 140k combined 24 and 29 so still very young. How to handle this situation?