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Buying home advice needed please!!!!

This will be long but i really need advice! This is my first time buying a home. I found one that i fell in love with. It has so many upgrades, a finished basement, two tier patio, huhe fenced in yard, etc. The owners put $60,000 into it. My husband was on board to offer full list price until he saw the surrounding houses are muchhhhh lower in price. Obviously, this house has tons of upgrades, but he still found some similar for tens of thousands cheaper. He said it’s not good to have the highest priced home in a neighborhood.

We put in an offer for $14,900 less than asking after we received the report showing the retail market value. The sellers countered with full list price. We have two more homes we can look at tomorrow before we have to make our decision by 4pm. Both are similarly priced. The first one is about $28k cheaper but it’s a new build, unfinished basement, and no patio. The second house is newer, but lived in for about a year, unfinished basement, patio, and has woods in the back.

The house we offered on has a playroom downstairs that is painted perfectly for our toddler. The basement is so dreamy. The storage is crazy. It’s over 1,000 sq ft more than the other two houses including the finished basement (with full bathroom, shower, egress window). Would you pay a little more than retail market value because of all the upgrades? My husband thinks we won’t really need a finished basement since we would have a loft and playroom. We have a toddler and a 10 year old.

My husband says if this is my dream home, let’s get it. But i feel emotionally attached to it because i feel like the current owner designed it just for us lol. I would rather move into a home and have no future work to do. My husband is of the mindset that we get a good deal on a home and turn it into what we want in the future. Also, the Dream house is Slightly over our initial budget but it’s everything we wanted and more! I don’t think I’d want to move unless absolutely necessary. This could be our forever home.

Is it worth going over budget a little and working extra hard to get it paid off for a few years (sacrificing large vacations, extra purchases, etc) to have our dream home? Would love any advice please and thank you!!!!

submitted by /u/elleayejaye
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source https://www.reddit.com/r/RealEstate/comments/1jhwbw0/buying_home_advice_needed_please/
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