<prompt> Human: My finances are fucked.Between myself and my wife, we make about 70k a year.I am in massive student loan debt under the public interest forgiveness with 8 years to go.I pay 380 a month in loan payments, 250 car payment, and 900 rent.We have a 2 year old in daycare at 780 a month.A house just opened up in our neighborhood for 170,000 and it would take some work. We LOVE our neighborhood and could live here for a while.We live paycheck to paycheck and couldnt afford a down payment.This house will probably sell fast.Should I even think about it?  <response>: Definitely not. As a lot of people have said previously, you have to anticipate fees and closing costs and such when you purchase a house, plus all the miscellaneous things youll need to pay for once youre living in the house, not to mention money on any sudden repairs heating, etc. If you are currently living paycheck to paycheck this would absolutely destroy you if anything went slightly wrong. Good rule of thumb is 20 down, but you can get by with 10. No way you should buy a house with less than that. Best of luck though, something else will come along, try to start saving up a little if you can to prepare. 