<prompt> Human: Good morning PF! Ive debated for a long time posting here and I finally decided I need to. I spent a lot of time in my 20s with bad financial habits that I just started changing in my late 20s. Im 32 now, married with a 1 month old child. Our goal was originally to move to a house first time home buyers, from a renting position in July of 2019. However, this might be a fluid target depending on the advice I get : Financial stats: She is in a education job with a union guaranteed salary and Im in the private sector but both jobs are stable. Combined Income: My wife and I combined make approx. 120 thousand a year gross. Credit score for me: Approx. 700 but it seems to fluctuate per Credit Karma Credit score for her: Approx. 750 Monthly income: Approx. 6800Rent: 1400 per month, all in. UtilitiesCell PhoneInsurance: Approx. 700Medical Bills from birth: Still coming in but approx 2000 deductible met for year and out of pocket max metChild care costs starting on 101518: 900 per month. Debts: Car loan for me - 387 per month Im looking to get it to a lower interest rate Car loan for her - 210 per month Credit card debts totaling approx. 10,000 Savings: Me - 3400 Her - 950 Inheritance: I have approx 17500 coming due this year in bonds. I am planning to use this towards the down payment on the house. I have a goal of having around 10 down for a house - were hoping around a 275,000 home. However I forgot about closing costs which would add around another 7500 onto it. Im not sure how feasible it will be to come up with nearly 35,000 in less than a year with only about 21,000 saved now. Borrowing money from my family is a possibility but I wouldnt lead with that.So the questions I have would boil down to this: Where so I leverage my dollars right now? Is 10 down on a 275,000 house too much or too little for a first home? I dont believe I will EVER have the means to put 20 down so please try to steer away from offering that as advice. I just dont think its a reasonable time frame for me without us renting for another 5 years. Would I be better off spending dollars on credit card debt while putting less in to savings month over month? We just started making a budget in YouNeedABudget and am trying to get this under control. Sadly the mistakes I made in my 20s are carrying over to my 30s in terms of just not having a solid grasp on finances. I want to get myself to a better space for my wife and especially my child so I can help him as he grows to learn from my mistakes and not make the same ones. Edit: I should also mark in here - weve been putting a lot of our money over the last few months into our debt over savings to pay down our debt and have a plan in place to have our credit cards paid off before we buy. If that means we rent an additional year thats fine, were both prepared for that.Edit 2: Thank you all so far for the awesome advice. Its not been necessarily pleasant reading all the comments but its been needed and thats whats important  <response>: I think 10 is fine, lots of people are probably going to tell me Im wrong because youll owe PMI, but really if you can do 10 down and get a monthly payment close to your current rent youre building a little equity every month, so youre better off just because of that.I also agree that youre forgetting other stuff when buying a home, Id recommend until you have 35k, not just for closing costs, but because you need to be prepared for whatever maintenance you have to do. Also, credit card debts of 10k is bad, you should really pay that off ASAP, typical credit card rates means youre getting destroyed with interest.So my opinion, pay off your credit card debt and get some savings. All the savings you claim you have is inheritance that isnt there yet. Give it some time to actually clear the debt and add some saving to prove you can actually do it. Once you have 35k in the bank and no credit card debt, then Id consider buying. 