<prompt> Human: Okay, so heres the deal. My husband and I have been renting since we were 20. Were now 28, with a baby due pretty soon. I want to get a house, but I dont know. He is about to accept a job that pays 47.5k a year. I get 38.5k a year. So were looking at 86k gross income.Our total debts are:Our combined student loans: 750 a month total Different interest rates over 10 different loans About 60k.My car Payment: 280 a month 0 interest. I owe 10,700 on it at the moment. Im really not in a rush to pay this off, obviously because of no interest... so whatever.Future Hospital Bill: Im kind of planning for this. I dont know what to expect when I deliver my baby but Im going to assume that there is some sort of debt involved with the hospital. I have BCBS, and Ive paid off my OB already for delivery, but I think the hospital is going to charge me an arm or a leg.His Health Insurance is free for himself, but for me and the baby, it looks like itll be 550 a month out of my check. He pays 50 dollars a month for medication. He needs this medication and this cant be cut out.We spend right now:Rent: 900Electricity: 80Internet: 65Water: 64Food: 350Car Payment: 280Student Loans: 750Gas for both cars: 75MedicineHome stuff: 100 If we were to go up to a decent two bedroom apartment, we can expect to spend 1000-1350 a month.I will also expect to spend 750 on child care.Rent is expensive in this area. Its exhausting to think that Im throwing my money away. My husband arent sold on staying here the rest of our lives, but if we stay for 2-3 years would it be worth it to buy a home?I wouldnt desire to spend more than 160,000 on a home. Quite honestly, if we could keep it to 130k, thatd be better.I have about 5500 in savings at the moment.Please help, Im tired of renting. :P  <response>: If you think youre going to move in 2-3 years you should probably not buy. Youll get eaten alive by transaction costs. A 160K home with 5 down since you guys have no where close to 32000 in cash at 3.6 is about 980month. You wont get that low of a rate with a low down payment and the student loan debt. 5 down in the above example is 8,000. Then add probably another 2,000 at least for inspections, paperwork fees, upfront property tax, etc. Plus you are responsible for maintenance. Need to buy a lawn mower? New windows? Water heater breaks? . This stuff happens. My friend bought a home and the stove and fridge both stopped working within a month of each other! Its exhausting to think that Im throwing my money away. The majority of a mortgage payment for the first 10 years goes to interest. 