Don't forget a property insurance. It is not a small thing any more.
As it supposed to cover a complete rebuild, with much higher cost of materials and labor (which may not be available in needed quantities), the insurance would have to cover your staying in a hotel for much longer.
Our own home insurance has jumped by 30% YOY - without any claims, not being in a danger area, with home alarm, no pools or vicious dogs, etc.
And if I remember correctly, there were two major ratios in determining your maximum loan amount. The second was 3 times your gross annual income. So, $170K would not cover a $600K loan.