<prompt> Human: I found a beautiful home today. I think I can afford it, but it may be tight. I may even be in denial so I need a different perspective. I currently pay 635mo rent.House: 240,000My savings: 18,000My debt: Car- 31,000 2.35 462mostudent loan- 1,500 3.4 53mostudent loan- 48,800 1 438moMonthly payments toward the debt: 953Annual salary before taxes: 76,000Am I in denial? Or can I finally buy my dream home?edit here are some answers to your questionsI got pre-approved for 259,000 on Friday. with a 41 DTI ratioI get the 1 interest on the student loan when i complete the purchase of the home with my bank. Right now they are federal loans at 5.5. PMI would be 110mo with 5 down and an interest rate of 3.5, i think 3.899APR, PMI is dropped at I think 81.5 LTV.Im considering selling the truck and using my older 2003 truck. The dealerships are typically offering 29,000 to buy it back, ive taken it to a few dealerships, but with the extended bumper-to-bumper warranty 60000 miles5 years, thats 5 years of not worrying about having to repair anything on truck.Just got a 10 raise this month, i expect to get 10 raises for 2 more years and then have them generally taper off to 418000 is all that I have in savings, I dont want to take loans out on my 401k. Contributing roughly 1000 per month for the past 18 months, Ive had this job for just over 2 years now.The property is 26 acres of waterfront so I can parcel it into smaller sections if i need to sell some of it if i need cash quick.My payments if i purchased this house would be 1500 with this house, this includes PITI and PMI.Im sorry for copying your posts, it was a good format and i was in a fairly similar situations.  <response>: Your debts are at low rates, but the payments are huge on that salary.Is 18k all of your savings? You probably want to hold 15k of that back for an emergency fund. You ALWAYS want a solid emergency fund when owning a home. After you hold back for an emergency fund, you dont have enough to make a down payment closing costs.Id find a way to rapidly clear the majority of those debts before buying. If you want to buy before doing that, youre going to need a bigger income. 