Well, when you ask here whether finances and budget match, the question almost always arises whether planning and budget match as well. Initially, there was no information at all on this very question. In my opinion, this is the crux of the matter, because getting the house within the budget is the challenge. Financially, the framework is feasible, though demanding; you have explained the rather low equity well. Losses during a second parental leave are still very critical. At least from the child’s second year of life, childcare is certainly secured, so the second income will be available again. I can only advocate planning for enough buffer. I had to learn this the hard way myself because the amount planned for this purpose then turned out not to be enough after all. No matter how precise an offer seems to be, the invoice often says something different... and if you have to paddle like this to press your planned house into the budget... then this is definitely a very critical point. For the desired 150m², actually 50k€ of budget is missing.