<prompt> Human: Okay, I know youll say oh god, another one of these kids. But here goes: Im 26 years old, Ive got my Bachelors degree in CS, graduated with absolutely no debt, and currently have a stable job making 70k. I have a full 401k, and a 100 employer provided pension plan. My credit score is 738. Ive got about 7k saved up, and am anticipating buying my first house in Ohio. I hope to not buy and move multiple times, so Id like to get something I can grow my family into, something around the 250k range or so. My parents recently asked me to move in with them in order to save up even faster, but I dont want to be in their way, Id like to buy as soon as would be fiscally responsible. My question is what should I be aiming for? What kind of mortgage should I get, and how much of a down payment is appropriate? I understand that more is never really bad for a down payment, but Im looking for the optimal amount I should be aiming for, and even if my budget is reasonable.Assistant: My opinion: 20 is still optimal. You will have access to the best interest rates available and not have to worry with PMI. You will not be immediately upside down in your home in case the worst happens and you need to sell quickly. Human: Move back in with your parents. How would you be in their way?Assistant: Yeah, it was their idea and all, but still, Im taking up a room in their house that they could use for themselves, and Im using electricity, water, food, etc. Its not a huge inconvenience, but I just dont want to impose.  <response>: Theyre your parents. Remember the part where you were in your mothers uterus for 9 months? Of course not, no one can. Remember how they changed your stinky diapers? Their successful adult son making wise financial choices is not imposing. What will they use that room for? Buy your own food? Give them 200month to contribute. Impose.Unless you dont want to because they are annoying, you have a bad relationship, or it will drastically interfere with your lifestyle, IMPOSE.Ps: youre not imposing theyre your parents and they LOVE AND CARE ABOUT YOU. 