<prompt> Human: I woke up the other day to find my car sitting in the middle of my condos flooded parking lot, filled with water. I bought the car less than a year ago. I put around 7,000 down and paid around 3,500 in payments so far. The insurance company says its a total loss.I had been saving up to buy a house in the late summerfall. I am around 5,000 away from my goal for the down payment. I already have a pre-approval letter for the mortgage. My credit history is fine, but limited, with a score in the 770s. I know Ill receive actual value for the car. Im worried about taking out another loan. Further, I dont want a higher car payment. If I buy a used car same makemodel of my old car Ill presumably have to finance it for a shorter period of time. It follows, then, that my car payment will be higher.Should I try to buy the car back on a salvage title? What are the ramifications of doing so? Will taking out another car loan affect my credit negatively? Should I give up plans to buy a house this fall?  <response>: Do not buy the car back its completely fucked. 