Im no expert but isn’t “gravity” and “warped spacetime” really just the same thing?

Here’s a question for you (if you don’t mind answering!).

If you calculate what you can afford to pay per month when taking out a mortgage, are you better going for a lower repayment then overpaying the difference or just taking it out based on the max you can afford?

(I realise it’s stupid to take out the absolute max you can afford and should budget for rate increases, changes in circumstances, etc. but let’s go with it for the sake of this example).