<prompt> Human: Me and my wife are currently looking to move to the Southern Tennessee area in the next couple of months. We have to move by October November due to work, and we have never bought a home before. We are a little overwhelmed at the moment and do not really know what all our options are really on getting a loan. We both have decent credit, and have been begun looking to get approved for a home loan. My wife has been dealing with the majority of this so far, and has told me we were preapproved for roughly 130k. The problem is it looks like we would need to put down a down payment. We really cant afford a down payment at the time. What advice would you give me for approaching such a huge decision?  <response>: What advice would you give me for approaching such a huge decision? Dont buy a house unless you can afford 20 down, closing costs, moving expenses, and have a full emergency fund. 