<prompt> Human: I am a single 21 year old looking for a little bit of financial advice. It is to soon to buy a house?I currently have a VERY stable job that pays roughly 55k and go to school full time. My take home pay is around 3500month and my monthly expenses are around 1800. I have no credit cars debt but pay 450month for a car payment and student loans.I have 18k combined in checkings and savings.My question is if I should buy a house or not. I have 2 roommates that would move in with me if I did. And by the time they left I am expecting a pay raise that will cover any amount they paid.In my area, the house I want is around 300k, luckily I qualify for a program that required a 2.25 down payment and 0.25 PMI. Mortgage would be about 2100 with HOA, property tax, PMI, and mortgage insurance included. I understand that my DTI would be high, so my parents want to co-sign on the loan.I would appreciate any and all feedback! If any additional information is needed please let me know.  <response>: Yeah, Id hold off on that for a couple of reasons. 1. Theres no rush so you can save up and put 20 percent down, thus avoiding thousands of dollars in mortgage insurance fees. 2. You really dont want to buy unless youre committed to that location for an extended period of time, which isnt a good idea for a young person. At your age, give yourself the flexibility. 