<prompt> Human: Hi, I 32F live in Madison, WI, and am looking for a home around 2000,000 -250,000 with my partner 46M. He has excellent financial fitness, maxes out retirement contributions, no debt, and enough money in mutual funds not retirement to put 20 down on the house purchase. I am not in a position to buy right now. I have 28,000 in student loan debt and 6,000 in medical debt that I am trying to aggressively pay down. Our original plan was to continue to rent for 2 more years until I would be able to be part of the loan. For various reasons, we want to buy now. The plan is to have the loan in his name he was just pre-approved for 350,000 and the title in both of our names. What could be the downsides of this? From what we have read, if we are both on the title, and a creditor comes after me, the house would be considered an asset and a lien could possibly be put on it. I dont want my lack of financial health to negatively affect my partner at all.We know that we will definitely talk to a real estate lawyer about a contract what would amount to a pre-non-nup that would outline what would happen if we were to separate. We were planning on having both the loan and title in his name, with a contract that outlines what equity I would earn from paying X amount of dollars a month a of the equity based on how much principal my portion of the mortgage payments would be chipping away at. We figured we could use a spreadsheet to keep track of it so that everything is transparent. If this is still the best case scenario, we would do it. However, if it is possible for me to get on the title or a trust that included both of us to be created that would be on the title, we would both want to go that direction.We are both first time home buyers. We want to make the decision that would both protect and benefit both of us. Any advice or insight would be appreciated. We will still go to a real estate lawyer regardless, but wanted to be prepared as possible before the appointment.Thanks!EDIT: Thanks for the feedback! I emailed him a link to this thread, and we will discuss tonight. EDIT 2: Definitely makes more sense to just make a contract concerning what I pay into the equity. Not worth having my name on the title if it is going to make my partner financially vulnerable. Thanks for the answers, I knew posting in this sub was a good idea...succinct feedback from individuals with no allegiance to either of us, which is what I wanted. Thanks again rpersonalfinance !Assistant: If he was posting, wed advise him not to do it, as theres no benefit to him in doing so.But, from your perspective, theres no real downside, either. As owner, youd be liable for property taxes and any other fees on the house e.g. HOA fees. Some or even most lenders wont want to write the mortgage this way, with someone on the deed who doesnt pay the mortgage. So the question may be moot, depending on your lenders. Human: Thanks for the reply. I agree that it would be in my best interest to, but we both want to be fair to each other. His lender said it would be no problem to have him on the loan and both of us on the offertitle.  <response>: If you want to be fair to each other, then its his house. If he wants to let you live it in for reduced or even no rent, thats a benefit he could offer to you. If youre worried about losing out on the house as an investment, just invest the savings in rent. 