<prompt> Human: Me and my wife both working with stable jobs, combined income of 215KWe currently rent an apt for 1530. currently we dont have kids but planning to have one in next couple of years. Right now we have 40K in our savings and could save another 20K by end of this year. Is it good decision to buy a house of max 400K with 10 down or rent until I have 20 which would take me atleast to end of next year. Currently where I live project growth of home prices is 2.9.  <response>: Go here 