Century 21 Princeton Properties
Second, contact a mortgage broker to see how much they are willing to lend you so you have a true picture of what you will be able to afford.
Thirdly, and to answer your question more directly; if a seller is selling at current market price, you can expect to pay close to current market price. If they are foolishly asking over market, you will pay that much less if they are willing to accept it.
What I recommend is to hire a Realtor to represent YOU. Your Realtor will then do market comps in the areas that interest you and let you know what you can reasonably expect to pay in that area.
Hopefully, that will give you a better idea of where you can look and comfortably afford.
Please feel free to contact me with any further questions Gail@GailGladstone.com
On the market now you have 14 houses to choose from under 399k. You probably have enough to choose from at that price point to get a deal at 380.
If you have your pre-approval in place and you make good offers you will get a house very quickly, very easily.
Let me know if your interested in seeing some houses this weekend, I am available to show..
Good luck to you.