If she's being told she owes $25k a self serve website isn't going to help. It's worth a couple hundred to make sure it's done right by a professional.

OP, don't do it. I know you think you want to but that amount of stress will weigh on you. Get a roommate. Enjoy the lower payment and set aside the extra you would be spending at $2800/mo so you can really see how much you'd be scraping by.

I'm a decade older than you and in a lower cost of living city but my base is over 3x more than yours and my mortgage is $2100 including taxes and insurance. Not feeling suffocated by housing expenses really is a blessing.