Let's go back to first principles: Why should you buy the most expensive house you could afford?
1) Is it because the 200k apartment would not be nice enough and you would suffer to live there?
2) Is it because you'll eventually be selling the 200k apartment to buy the 245k house in a few years?
3) Is it because you and/or the parents think the 245k house will appreciate faster?
4) Something else?
I'm looking for the rationale for why you should be asking "what's the most I can afford to spend?" instead of "what's the least I can afford to spend?"
If #1, maybe you should keep saving until you can afford something nicer. Then again, some people buy a starter home and turn it into a rental when they upgrade (and the upgrade is enabled by saving money on housing for a few years). Pick a path.
If #2, there is a good case to be made that you should avoid paying another set of transaction costs. Just make damn sure you don't buy the wrong house (e.g. too far from your destinations, area is too boring or lively, too much / too little space).
If #3, that's a shaky and speculative assumption. With today's bond yields, it's time to play it safer.