<prompt> Human: 29 year old male and I have been thinking I want to buy a house for the last couple months. I am currently preapproved for a home loan up 250k or so. I was going to do an FHA loan on a town home. My stats are as follows:- I make 26hr, net about 3kmonth take home pay- Currently have 15k in my bank account- 18k in readily accessible investments crypto, sorry- 13k of debt which is only my car. 6k of equity in my car- 250 monthly car payment- 135 auto insurance- cell phone 120- gym 50Now after getting exposure to the housing market, I dont think I can afford it. After HOA fees and whatnot on even a 180k town home, my monthly payment is calculating out to be around 1300-1500 a month. Thats half my monthly income...how am I supposed to get ahead?If I bought a cheaper house without an FHA loan, itd be a fixer upper, and Id much rather spend my free time learning things that will further me in my career and help me make more money. Instead of spending it remodeling and fixing a dinky house.Renting a single room apartment I do not want roommates is still going to be kind of expensive, probably around 1000-1100 a month, but at least its not half my monthly income. And if an emergency came up, I would still be able to shell out money due to actually being able to save money.So, now whats starting to make sense is maybe take 5k out of my bank account and pay off a chunk of my car, or save up a little more and start a mutual fund. Advice?  <response>: You are one crypto crash or layoff away from disaster and foreclosure.You need to get a real estimate and look at the actual terms for PMI. Some PMI is terrifying, and some mortgages lock you in until you pay thousands to refinance. Messing around with FHA loans can be an incredibly expensive way to buy.Save up your 20, take your time. 