<prompt> Human: Hi rpersonalfinance! Youve helped me a ton in the past, so I am hoping that you might help me out with a little dilemma Im facing at the moment.I am a 28 single F. My base salary is 46k though I am currently earning more like 50k with overtime. My take-home pay after taxes, retirement, union dues, insurance, etc. is about 2500month. I have been living at home with family for about 14 months. During that time I paid off 13k in credit card debt and paid down about 5k on my student loans, but I still have about 25k in loans. I have just about 10k in the bank and my credit score is above 800. I have found a house that I really like and the asking price is 85k. I am going to take a second look at it today, but it appears to be extremely well-maintained. It is small, in a safe working class urban neighborhood, near all the things I need to be near like shopping and highway. I know that 85k less than what I can supposedly afford according to price calculators which price me up to about 150k, but for me this is the absolutely maximum I would want to spend, especially now. Going above 100k in this market as a single person on my salary seems crazy. I would be paying about 650month in house payments, plus a few hundred in utilities I am hoping to not pay internet because the neighborhood has free wifi, but who knows how well it works until I move in, plus my 350 monthly student loan dues, so there goes half of my take-home salary. I also probably need to buy disability insurance. Travel is important to me so I try to budget at least a few thousand every year for that. I otherwise have a moderate budget--I like to eat outgo out for drinksmoviesetc and buy nice things sometimes but I am not a huge spender overall. I guess Id just like to see what you guys think, because youre so responsible and helpful! Thanks.Assistant: It seems like sound thinking to me. There is no reason to push the limits of what the calculators think you can afford. A modestly priced house in a decent neighborhood will keep your housing costs down for the future.Human: Thanks! So you dont think its unwise to buy if I cant put 20 down? Right now I can put about 10 to 12 down.  <response>: Dont put down all the cash you have saved up. Having an emergency fund is extra important when youre a homeowner. Shit breaks. 