<prompt> Human: Hi everyone. Id love a little advice. I want to plan to buy a condo, but Im not sure how much I need to save. When I Google about how much Ill need to put down on a condo, Im being told that I need to put down 3 to get a loan, but other places say I should plan to put down 20. This is a huge difference! I think the 3 down payment is for an FHA loan, but how common are these loans? Is there a way to find condo that can be bought with FHA loans all the sites I find when I Google this dont look official? I currently have 10,500 saved up and all the condos I like are in the 140K-180K territory...Instead, should I be asking, How much do I need to save up to qualify for a mortgage for a condo? Is there a difference? Its all so confusing...Some info about me Im 25, I live in Rhode Island and I make 46K a year.And while Im here, another question. When I buy this condo, my girlfriend plans to move in with me. However, shes still figuring herself out and wont have an income this might change, but this might not. Lets assume it wont change. I think I make enough to support us both I currently live alone and Im pretty good at budgeting and I dont have student loans to worry about anymore. But Im wondering what are some things I need to think about when supporting another person on my salary? I know Ill have to buy more food, obviously... but is there anything else I should consider? This is possibly a silly question, but I just want to plan ahead...  <response>: This isnt going to be popular on rpersonalfinance, but you have plenty to buy a condo if you go through the a non-profit organization that can write the loan. There are organizations that will qualify you for a 0 down, 0 closing cost, 0 PMI, and below market interest rate below the rate you get even with a perfect credit score from a conventional bank. It is a lot of hoops to jump through, but as long as you dont buy too much house for your income no more than 3x your annual salary you will be fine. The largest organization that does this kind of thing is NACA: 