<prompt> Human: I make 46k a year and my wife makes around 25k a year, we have 15000 saved and our only debt is a 244month car payment.We are both 24 and are first time buyers.The house we are looking at is 175k  <response>: Is the 15k all you have? Like it needs to cover your down payments, house-buying costs inspections, etc and closing costs, and moving costs, and still have money left over for an emergency fund? 