We actually are trying to add a morning room off the kitchen. It's an 11,000 upgrade, along with a pricey ceiling fan, but most of the rest of the house is essentially the base home. We have maybe $2500 in upgrades, and we were pre-approved with the initial numbers. Now we're adding $12,000 in upgrades. Or, at least, we are trying to. The extra down payment, closing costs, etc, aren't really any issue, and the monthly payment increase wouldn't have much impact on our DTI ratio's, we are still way under...but our file is not the strongest because we are waiting out my wife's 2 year post-bankruptcy discharge period. We need to get her credit score to 640, and i'm extremely confident we can do that needing only 10 points in two months, but i have no idea how our lender is going to react to the upgrades. One other positive is that my wife is probably going to be getting a job, within the same industry, that is straight salary and at least an $8,000 raise. Could be as much as $11,000 more a year.