If it really is a house you want to live in for at least ten years, then you can ride the market down a bit if that happens.
Do you have $20k left for the sod, patio cover, drapes, and extras?
If you have granite fever down the road, you can add those for perhaps $5k.
Who knows, the market here may be about to get a boost from folks who dealt with fires south of this area and who suddenly find Temecula/Murrieta more appealing.
