Quite clear: With your income (I’ll mentally put the inheritance into the property), you won’t even get financing for a small 120sqm place. I had exactly that case (similar constellation) in my circle of acquaintances, and that was in NRW. If the OP goes back to work, things will look a bit more promising. The fixed-term contract could also be your downfall. 2025 is not far off, and depending on what the man does for work, finding a new job somewhere might be difficult or easy. By the way, I would mentally exclude the child benefit. Our bank counted that as special income. If we had had to rely on that, the financing would have fallen through. By the way, we also didn’t get financing back then because I still had one month of parental leave. We could only sign after the month was over.