<prompt> Human: Im looking to buy my first home. I currently have a car that I owe 22000 at 6.09 APR my credit sucked back then. Im looking at houses around 225K, Ive been pre-qualified with a Seth grant4 of down-payment assistance at a rate of 5.625. I have 30K savings available for closing and down-payment, but I realized that I could pay off the car and with the remaining savings I could end up at 5 down payment and have about 5K left for closing.Does this make sense to pay off my car instead of getting a lower mortgage rate and higher down payment?  <response>: Id pay off the car before I considered purchasing the house taking on more debt - but I also dont know the rest of your budget. 