<prompt> Human: Please excuse any weird formatting, Im on a phone. Im 27 years old, pretty bad credit, with a job in education that pays about 25k a year. My parents are willing to put up up to 15k for a down payment on a house for me, but I need to do all the mortgage payments myself.Ive never shopped for a home before, and Im overwhelmed. I live in West Virginia and Im looking for a house around 60-70k. Any advice on programs for first time home buyers would be greatly appreciatedIm sorry if this post seems low effort, but I honestly dont know where to start with a purchase this large.  <response>: Speaking as someone with slightly more annual income and is paying a mortgage:You cant afford it unless its a hole.Seriously, if you yourself cannot arrange the down payment and believe me, the banks will ask where all the money is coming from then you cannot afford it. For now, youre better off renting and doing things to build your savings and credit. 