I’m looking at an apartment in Delray Beach, Florida to buy. It is currently listed $ 118.900. This is not a short sale or foreclosure. I am pleased offer over $ 85,000 – $ 90,000 and was listed on the market about 4 months. I am approved for $ 125k in advance. I am 25 years old single female, living at home, and now for about $ 35k per year before taxes. HOA fees on this home for about 270 $ . I have., A car payment of $ 291 My father pays my cell phone and car insurance. I won $ 42,000 ($ 35k in savings, and the rest in my bank account) I can afford this house and if so, how much would you ask? The house is fully upgraded, I would not even really do anything.