What product and interest rate are you preapproved on? When? Rates have gone down 1/2% in the past couple weeks, which may give you some more room and still keep your payment low enough. FHA allows for higher ratios than conventional....Wells/BofA tend to be more restrictive than a mortgage bank that does nothing but mortgage loans (like me). I woud be happy to run some numbers for you to see if I could get you some more purchase powere...no need to run your credit as long you know your score. Just providing another opinion for you.