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Career advise

I have been offered a job locally with 2 days in office with option to work remote in the future. Its a deal breaker as i want to buy a house somewhere north and i dont want people breathing down my back in the office.However after accepting the offer and terms the recruiter came back and said 3 days per week is minimum. So that is ruining my plans and I looked locally and its impossible to purchase house with those prices. Also I don't think I will be able to manage with my experience. I'm a core php programmer and during interview tests I lack knowledge so I think I should look for junior role and not mid. They offered 45k but like I said my conditions ain't met. What should I do? I'm stressing as current company doesn't have progression been there for 3 years and what I know is out dated and I worry when I join and they tell me to do things I just won't know what to do and I will be miserable or get sacked .