<prompt> Human: Hello, PF - Im looking for some outside experience and recommendations with the process of my first home purchase. I dont have any real-estate experienced friendsfamily that can offer advice and I dont want or expect sugar-coated responses from anybody, so please give me your honest assessment if youre willing. I am 32M, single, no kids, live in the Portland, OR area and I recently signed what I hope is my last 12-month rental lease ever. My current rent is 1,200month and expires in June, 2018.Below is a summary of my finances: Annual salary is currently 103k, and I am expecting another decent raise next year in April 3-5 Currently have 0 debt, credit card is paid in full each month, student loans paid off in 2016, car paid off in 2012 Monthly expenditure is about 3,000month which includes Rent plus all other typical bills, food, insurance, fun money, etc. I have been saving anywhere from 2,000 to 2,500month in an Ally savings account for the past 18 months. This account will go towards my down payment and closing costs. The current balance is 40k Current emergency fund is 7,000, held in a separate liquid account, not included in the Ally account Im currently contributing 10 of my income to my employee based Traditional 401k. My employer matches a generous 5 for matching funds and another 5 for profit sharing for a total of 10 matching, 20 overall when combined. The current balance is 80k I left a previous job in 2013 and rolled a SIMPLE IRA 11k in to a Schwab Roth IRA account. Taxes were paid for the transfer TY 13. Total contribution since 2013 has only been 9k and the current balance is 22k made a couple of naive equity trades in 14 that really slowed my gains, live and learn... 805 FICO credit score, checked last monthId like to purchase a modest house around 350k Max 3 bed, 2 bath, 1,500 sf and ideally be closing on a home in May or June of 2018. By that time I expect to have another 20k saved for a total of 60k in the Ally account and Im wondering if I shouldcould make a 20 down payment with my options. In order to cover 20 down 70k and closing costs I figure I would need roughly 80k in the Ally account, and I could swing this if I clear out my contributionstransfer 20k total of my Roth account. I feel like my 401k alone is on a good track for my retirement and my Roth could serve me better this way - but is it worth it? This scenario would be close to tapping me out funds wise, but I have pretty stable employment so maybe not a deal breaker if im comfortable with a less than ideal emergency fund for 3 to 6 months post purchase.Part of me thinks Id be better off with only 15 down, live with the modest PMI payment, and not touch the Roth...Or...I could do 15 down, pay the PMI, and take the Roth money for a nice 15k - 20k cushion for new furniture, repairs, etc...Or...maybe something else is better like a 85155? What would you do in my situation? Thank you for any advice!  <response>: I say bet on yourself good career and forget PMI. You can squirrel away enough for emergency fund within a year. Lay down that 20 and dont look back. 