But I realize that’s not guaranteed, I’d adjust as needed as the dates got closer if they weren’t booking.  

We are rustbelt no more, a climate haven with plenty fresh water and no other major natural disasters like hurricanes or earthquakes and relatively low cost of living.

The difficulty comes if you run out of money, have an adjustable rate HELOC, and the house isn't done to Fannie/Freddie standards so you can't get a new mortgage.  

Then you'll need to add title fees/title insurance and adjustments based upon closing date. 

Adjust your budgetIt will be important to look at your finances and determine the maximum amount you can spend on your mortgage payment.Factor in the higher cost of living as you look over your monthly budget.

So there is a balance between using your cash, taking on debt and increasing your adjusted gross income. 

Also, the slab can crack in a cold (freezing) climate, but you will have to find out if that is an issue in St.

Even if it’s been winterized (cold climates) there is no guarantee it was done properly or before pipes froze. 

@Tyler Rowley Happy to help: 30yr = 30yr amortizing fixed rate loan (ie. a normal conventional loan or a commercial loan to mirror those terms)5/1 = 5yr adjustable rate mortgage. 

Apply geographic/neighborhood value adjustments if necessary.