What type of lifestyle do you live where you have 3000 in a month to live on free and clear and cannot save any of that? What are you spending 100 a day on?
You’re payment is going to increase by 600/mo roughly as others have pointed out. This is not including unexpected events/costs.
Budget my friend. Trust me,I know it’s tough! You should be able to comfortably put that 600 away each month prior to buying to see how it affects your lifestyle.