Making an Offer

Beloved and I have made an offer on a to-build home. The builder's agent is concerned it's low but says it's worth a try. We're asking the builder to come down about $35,000.00 with the options we've requested. Our real estate agent says she thinks he'll come back with a counter offer and then Beloved and I are going to have to pray about what to answer because until the house actually closes there's the possibility of getting stuck with two payments and the largest loan we could get would pretty much be what we have plus the offer we made. We're asking God for favor, but wisdom and guidance wouldn't hurt either.