Financing solid? Semi-detached house, 140 sqm

Fuel costs and wear and tear on the car are, of course, a major expense. That’s the price for the "cheap" property. You have to spend money on mobility accordingly. Is home office not an option?
As for time: sometimes you cover 30 km faster than 5 km through city traffic jams. If I have to go to the other end of my small big city, I could also drive to the big city 40 km away in the same time.
Finances are fine, at least for now. And if you keep a buffer because that makes you feel more comfortable, you can still manage the loan well. Maybe around €20k... You can take good care of the cat with that...
By the way, I have an OP cost insurance for my horse. It doesn’t cost the world and protects me exactly from big bills in cases like that (hopefully – this has never happened yet). Alternatively to having sum x saved up, you can also consider insuring one risk or another.

You can see it however you want. Should I have let her die? The priority at that moment was the cat; with you, it seems to be rated differently.

I would, in your place, first calmly approach family planning. Because if having children doesn’t work out, do you really need such a huge house? And is there also a school and kindergarten in the town? As a mother of 2 children, I can only say the closer the workplace is to the place of residence, the better. How often have I already been called to pick up the children early — I can’t afford to drive more than 40 minutes home with the possibility of being stuck in a traffic jam on the highway. Have you already thought about whether it will be tight with the payments if the woman is on parental leave? And also the question of whether it’s even possible for the woman to work full-time again? From experience, I can only say the first 3-4 years working full-time are impossible unless grandma and grandpa live nearby. It was also important for us to first finish family planning, because you never know if the children will be healthy. I know cases where the woman never worked again because the child had to be cared for due to being born too early. These are the things you have to think about first. As for equity, I find it important to always have 15-20k available in case something breaks and so on. 100k is really way too much. Because of inflation, your money may be worth only half after 10 years, so better buy an apartment as a capital investment and rent it out at first, and then buy when children arrive. You can then use the apartment as collateral to get a better interest rate. I wish you all the best!

I respect that many people see it differently and put economic efficiency for pets last. However, I find €3000 quite a lot.

Ultimately, we still do not know what we are supposed to do,