<prompt> Human: I have been pre-approved for an FHA first time home buyer loan without a co-signer I make shit salary, but I am kinda proud of myself. I only have to pay 3.5 down and have been given a limit of 125k. I have found a couple homes and think I want to make an offer on one. I have already arranged for roommates to move in, and have purchased some things for my new home to be. This was a little premature : If my credit score was 10 points higher I would not have to make a down payment and would be eligible for down payment assistance. This was not an issue until recently. My family was going to help me with the down payment if I could find a seller who would pay the closing costs. The problem is they are my grandparents and their health has slowly declined, but it seems overnight things have gotten really bad for them, and Im pretty depressed about it. So, now my problem is I feel guilty trying to pursue buying this house and using their money. I dont want to expect them to give me the down payment they arent hurting for money at all, but I just would feel guilty. My question is this how can I either raise my credit score quick enough to help me get the down payment assistance within a month, or can I borrow against my car to cover closing and a down payment without hurting my credit or anything like that?I really need this house as it is exponentially cheaper than continuing to rent. I thought everything was going to go great and I would have a home of my own, but things have become complicated. Any helpful thoughts will be appreciated. I really have no idea what to do and would like to know what my options are before I talk to my grandparents.  <response>: Just reading this post I can tell that you should strongly consider not buying:I have been pre-approved for an FHA first time home buyer loan without a co-signer I make shit salary, but I am kinda proud of myself. Your mortgage payments should be less than 25 of your net salary. Include PMI since youre doing an FHA loan not recommended. Being pre-approved means absolutely nothing.I have already arranged for roommates to move in,Can you afford this without roomates? If not, dont even bother reading further. Dont buy.My question is this how can I either raise my credit score quick enough to help me get the down payment assistance within a month, or can I borrow against my car to cover closing and a down payment without hurting my credit or anything like that?As I understand, you dont even have 3.5 to put down? If so, dont buy.I really need this house as it is exponentially cheaper than continuing to rent. I have literally never seen a situation in which this is the case. Id rerun the math in detail here or feel free to post so someone can help you out, but this entire thing screams of someone that shouldnt be buying to me. 