<prompt> Human: Hi rpersonalfinanceI graduated a little over a year ago and started my job 10 months ago 55kyear. Since then Ive aggressively put a dent in my student loan debt 35k to 12k today while tucking some away into a savings 16k. Ive been living at home the last 3 years and Id like to get my own place and have my girlfriend stay with me. However, the amount she will contribute towards her rentutilities isnt going to be factored into my decision because Id like to be sure I could afford it incase something were to ever happen.Im extremely lucky in that my parents dont charge me rent and even do my laundry and cooking for me, but its time for me to grow up. I have a 751 credit score and no outstanding debt aside from the student loans 12k. This would be my first house and I wouldnt spend more than 130k on it. Ideally, I would find a house thats easily convertible to apartments and even a fixer-upper that I would gradually renovate to increase value.Am i stupid for considering this with so little in savings? Honestly, the longest I can see myself living at home is another 2 months which would raise my savings to 17.5k.Appreciate any advice  <response>: You can get a loan with very little down as a first time buyer. If its 130k or less the monthly payment will be less than a two bedroom apt. Go for it, if you decide later to move, youll have a nice rental someone else can pay off for you. 