<prompt> Human: Okay guys, so Im in a bit of a tight spot financially.Im a student making a decent amount of money from a part-time job. I need to move out some time shortly because to sum it up nobody in my family is super well off financially and I hate being such a big burden on them. Also, my girlfriend and I would like to move in together for a lot of obvious reasons.Shortly, Im gonna be moving up to a new job. Depending on which of the four Im looking at I get, itll be somewhere between 11-20hr, about 20 hours a week for now coming out to about 850-1600mo, probably reduced to about 700-1400 after Im independant with taxes and allLooking at rent in my area, if I was to rent in a shitty area not far from my college Id be looking at 400mo plus utilities, minimum.Looking at housing in my area, I just dug around and found myself a lot of interesting options: A 4 bedroom for around a thousand dollars total. Holy shit is that a low price, but considering the area its most likely a run down crack house and Im pretty sure Id get axe murdered in my first week there. I could buy this in a month up front A 3 bedroom built within the last 50 years, for around 35k. Assuming I could make no down payment and got a higher than average interest rate avg is 4.08, I calced with 4.58, my monthly payment would be roughly 179. Its not in great shape but considering its more recent that might save me some worries about the electrical wiring. In a good neighborhood A 3 bedroom built during WWII, for around 50k. Definitely the best looking of the of the options to me, its in decent looking shape and would need some but not anywhere near as much work. Assuming the whole no-down-payment, high interest rate again, Id be paying roughly 192 a month. Solid neighborhoodFor obvious reasons, these lower monthly prices coupled with the idea of actually having a house and not living in a run down apartment are attractive to me. I would love to be able to lock in a decent rate on a home before the rates go up. However, I dont really have any savings yet and my credit history is limited.Im aware that I can get someone to co-sign a loan for me, but what can I do about the down payment? It would take me a long time to save up 20 down for a house, and by the time that happened these homes will probably be sold and interest rates will have gone up. Is it possible to get a loan that wouldnt require me to have a down payment?Edit: the costs of living independently would be somewhat balanced by having me girlfriend cover costs with me and possibly getting another roommate too. Hell, if money got really tight it could be us plus two housemates since we have three bedroomsEdit 2: Also Im not a complete idiot, I would be saving up money for at least some time before this still.  <response>: You dont have money for a house. Rent. 