I am employed permanently and currently earn 2000€/net (still tax class 4, since my wife is going on parental leave from 01.01.14, however tax class 3).
Your wife should have switched to tax class 3 at least 7 months before birth, then you would have received more parental allowance. The payroll tax paid too much as a result would have been refunded through the income tax return. Switching you to tax class 3 probably does not make sense, as you would then have a large tax back payment. Although the parental allowance itself is tax-free, it is subject to the progression clause and is taken into account for calculating the tax rate.
My wife receives parental allowance of 600€ over 2 years. We currently have 15,000€ in equity and could possibly make it 20,000€. However, I am currently calculating with 15,000€.
If that is really the entire equity, then you have nothing. You should keep at least 10,000€ as a buffer and there are still some purchases (curtains, lamps, furniture, lawn mower, etc.) that have nothing to do with financing.
If you pay for all the basic equipment for the child yourself, you can also easily budget 2-3,000€ for stroller, child seat, child's room/bed.
I have also already spoken with some developers and we came to around 280,000€ for the above-mentioned plot with single-family house (without basement) about 125m[SUP]2[/SUP].
With an 80,000€ plot value, I dare to doubt that. I assume you have not spoken to a developer but rather to a general contractor/supplier. In addition to the house price, there are additional construction costs, outdoor facilities, painting and flooring work, and much more.