<prompt> Human: So me and my fiance are both 25 years old, and weve been looking for houses in Michigan for the past 4 months. I make 13 and hour and average about 48 hours a week. My overtime is pretty much always there for the taking. My fiance makes 15 an hour and averages 36-40 hours a week. Currently our monthly combined income is about 3550. We do not currently pay for health insurance because of the below 26 age cap that is still in place, but we are planning on paying for it next year. We both still live with our respective parents.We both have student loans, I pay 400 a month, he pays 100 a month on them. Despite this, Ive been saving my extra money for several years now and together we have about 26k in cash savings.Pretty much, Im getting very aggressively harassed by my parents to move out already. I dont know how much longer I have before they force me out, so together weve been looking at houses. Weve been pre-approved for 150k, and because of the location of our jobs, the markets we have to look at for houses is 130-150k. Mind you I absolutely do not want to have to be at the very top of our price point, this makes me uncomfortable. The majority of houses weve looked at are 140 This is making our estimated mortgage payments about 900.Ive been building budget after simulated budget. Including things like car insurance, a shared phone bill, internet, etc, and including 300 for groceries a month, it seems like its feasible to do. The way my budget looks right now thats leaving us with 204 in savings each month, which doesnt seem like a lot. Im very concerned that were in over our head and my Dad keeps telling me theres no way we can afford a 900 mortgage.The issue is, apartments in the area near our jobs and pretty much nonexistent. The ones that are there are still 700-1100 so it just seems to make no sense to me for us to just rent rather than buy. Theres an extreme lack of inventory in my area that Im looking and houses are selling within 24 hours of being on the market, and going for like 5k over the asking price. So there isnt much wiggle room on the price. And its not even like Im looking in the very best area. The neighborhoods Im looking at are still a minimum 30 minute commute for both of us, just because my job is in a very wealthy area.So I dont really know, I have an anxiety disorder so Ive been overthinking this to death and maybe I just need an outside source to look over things and see if this is just too much?  <response>: No way, renting is cheaper for you. You are forgetting maintenance, buying fees, lost opportunity costs if you get better job offers ect. Owning is a high risk investment, you need savings in reserve before you buy. Buying is too much risk in your situation. 