<prompt> Human: Im a 23 year old woman with a Good full time job. I have very little credit card debt and I still live with my parents. I need out lolRenting has Never appealed to me and really wouldnt work because Ive accidentally accumulated quite a few pets.. ha ha haa.. oops..I make about 28k-29k a year and have found multiple houses that I like Allot, all averaging out to be about 120kWould I possible be able to afford a house in that price range?EditRenting is kind of out of the question mainly because of the pets that Ive grown incredibly attached to and cant see myself parting with;1 Dog1 fish2 ferrets8 catsIve been working my ass off to pay off the majority of my Credit debt I accumulated at a younger age, so my credit score has gone up from the low 600s to the low 700s. So Im kind of really proud of that And I do have a small amount saved up, but I was planning and looking to maybe go the route of a USDA loan, which means I dont HAVE to have a down payment..LASTLY; theres also a much smaller house Ive also had my eye on thats up for 50k.. how much of a difference would that make vs. the 120k?  <response>: How much do you have saved up for a down payment and closing costs? Do you have a decent emergency fund for incidentals? Do you have a good credit history? 