<prompt> Human: Do you think it is better to pay off the remainder of credit card debt or to put money into savings for a down payment on a house, then work off debt? As I understand it, the larger the down payment, the smaller the mortgage?  <response>: You cant afford a house while you have credit card debt, so this counts as an easy choice.Pay off your financial emergency CC debt first, then worry about the down payment on a house. No, not strictly true, but if you actually need to choose between them, then yeah, still pretty spot-on. 