Detailed Mortgage Calculator How Much Can U Afford Calculator Says Im Buying More Than I Can Afford?

How much can u afford calculator says im buying more than i can afford? - detailed mortgage calculator

In conclusion to my house in 2 weeks and I only made one of those "How much you can afford" calculator, but Im not sure its right. Here are the details.

The net salary 4000 per month. (I pay tax at the end of the year, usually less than $ 400 for the year)

Established 30 years @ 4% interest (yes low enough, right?)
Funded 100% to 95% First Mortgage 5% silent seconds
The purchase price 219k
Piti & MI = $ 1350 per month
No payments for cars
no credit card
no claims of any kind

I thought I did pretty well, but the site said the max I can afford it is 180K, even at low interest rates. Strange, because the lender said that I am entitled to more than 300 + k, but I felt I am not at all out of my head, so I choose a cheaper place. What do you think?