<prompt> Human: Thought I knew it all from this sub and other publications. First time home buyer. Plan was to buy next year with 10 down and 5k to help with closing costs. I lurk the realtor sites to have something to compare to next year. Found a place I really like for the first time and planned a showing. The house is 239k. No kids. I know this sub may think no, but is it a hard no or a soft no? 8k student loan debt 6.511k car debt 3.56k Credit card debt 0 until 6201914k savings74k incomeCredit score 740  <response>: Absolutely not.You are sitting on 25k debt and only 14k savings. Continue renting and paying down your debt. 