<prompt> Human: So, my boyfriend and I getting engaged soon are thinking of buying a house. On paper, it seems like we can afford it, but since I have a history of getting really stressed out about large purchases, Id like to lay the facts out and see what you lovely folks at rpersonalfinance think.- The house costs 185k, and is in good condition with no immediate updates or repairs needed. The sellers have been described as very motivated. Listing agent says they have to sell for at least 170k, and can be negotiated with, probably down to the low 170s.- We want to put down 10 through an LPMI conventional program that offers a higher interest rate, but doesnt require MPI.- My boyfriend has been individually pre-approved for 150k. With the two of us, Im thinking it should be no problem to be approved for this amount. A pre-approval is currently in the works.- Combined, we make 100k annually.- He has no debt. I have 13k in debt 9k auto loan, 3k student loan. I am considering selling my car and buying a cheaper one with cash.- He has 10k in savings. I have 28k in savings. Our plan is that I would pay the down payment, escrow charges, and seller reimbursement charges total 25k and he would pay the closing charges 7k. This leaves us each with 3k in savings, and the ability to build that back up reasonably quickly.- I am currently saving 1000 per month and hes saving 1500 per month.- We currently pay 1100 a month in rent and 200 a month in electric. Other bills are covered by our apartment complex.- ETA I have a 749 credit score and his is 718.What do you think? I feel pretty good about it, but Im just a nervous person by nature, I guess. Have I left anything out? Any help or insight will be much appreciated. Assistant: My boyfriend ha...Dont buy the house.You dont need to be getting into a joint contract currently. You have a wedding, engagement ring, honeymoon to plan. You dont need to buy and move into a house right now.You have house fever. Stop looking at house shows and listening people saying buy a house rents throwing money away. Yes let this house go. Others will come. Focus on your relationship first.If you are looking for a timeline. Buy a house 1 year after you are married Your first anniversary.Right now, you are rushing and going to put yourself into a bind. Yes its only 185k, but no you dont need this joint venture atm. Human: Really not the type of advice Im looking for here. We have family and friends who know us well to discuss the personal aspects with. What Im interested in here is financial advice, which I have a hard time getting in real life. Professionals have an agenda the bank wants to sell us a mortgage, agent wants to sell us a house, etc, and our families arent great with numbers.  <response>: Actually, it is financial advice to suggest that you not buy until after you are married. If you buy the house now, and break up before you are married, you can get pretty screwed financially. If you buy after you get married, and then get divorced, you will have more rights because the house will be marital property.And here is another piece of financial advice: some of the largest expenses can occur right after you buy a home. There could be undisclosed issues that need to be repaired, appliances that need to be replaced, etc. You will each only have 3k in savings just after buying. Thats just not enough for a homeowner. Youll be screwed if your roof starts to leak, or your water heater fails, or your furnace fails just before winter, etc. And if one of you gets laid off just after buying the home, youll be really screwed.If you wait until you are married, you will have more money in savings. Its a no-brainer to wait. 