Would I be safe if I applied to three universities, four program choices?

My choices are the following:

  1. University of Toronto, Life sciences, St. George
  2. University of Toronto, Chem and phys, Mississauga
  3. McMaster, Life sci
  4. Waterloo, Life sci

I chose two programs for UofT because of the two campuses, but I’m not applying to any other universities (I don’t really have the funds to apply to more)

Should I apply for more and just figure out the funds?