<prompt> Human: Some background information. We live in the bay area San Jose, Santa Clara, Cupertino area CA. My girlfriends dad is giving us 50k and wants us to get a place to call our own. Girlfriend and I have been together 5 years. Plan on proposing this year.Combined income we make is roughly 150k. This coming year that might bump to 170k. We combined have about 5k saved us between the both of us.Our debt breakdownsMe: Student loans 30k, 12k credit card debt, 30k car note cosigned with my mother does this count on my credit to debt ratio? Credit score about 700Her: Student loans 70k, 10k credit card debt, 20k car note. Credit score around 750We currently are renting a 1BR for 1850 a month. We both have stable jobs, I have been with my company 9 years and her for a good amount of time now.My question relies on what is realistic at this point moving forward? What should our focuses be moving forward as we head onto marriage. Paying off student debt? Buying a home? Homes in the bay area range for 600K plus and there is no way we can afford that. However condos seem to fit our lifestyle a bit more in the 400k range. Her father mentioned that he would be willing to cosign. assuming so that he has good credit. He owns a home and I believe has another mortgage under his name.If it is buying a home what would our target range be set to? Who should be the first person we talk to regarding this.Assistant: Looks like we have a lot of looking in the mirror before even starting to think about such a huge life decision! Thank you everyone who posted and gave us a good starting point. The help is definitely appreciated.  <response>: Hey, props on you for being able to take the feedback to heart and think about these things. Best of luck to you and your girlfriend going forward! 