<prompt> Human: Long story short, we are currently renting 650mo., owe 17,000 in credit card debt with 18 APR, 275 car payment, and we have a baby on the way. We currently live in a small one-bedroom apt and will have to move when the baby comes. 2 bedroom apts in my town average around 900 - 1200 a month. I want the money that we pay every month to actually go towards something. We are trying to figure out if we can afford to buy our first home. We have literally ZERO savings but have found First Time Homebuyer mortgages that offer 0 down payment, 0 PMI with 800 towards closing costs.We have found homes that we like in a range of 130,000 to 160,000. Please give some advice...should we move into a new rental and almost double our rent, or try to buy and pay a lower mortgage even though we have no savings? No Down Payment, No PMI, and the Closing cost assistance seems pretty good. What costs am not seeing when buying a house?  <response>: No. Paycheck to paycheck with 17k in CC debt? No. 