<prompt> Human: Hey all. Ive set a goal to purchase my first home by May, 2017. Im considering relocating to the Raleigh, NC area as the housing seems a lot cheaper. My budget will be around 150,000, and Id like to put down 20 up front. I currently have 5,500 in my savings and am steadily saving at a rate of 800month. I read about Ally high-yield savings accounts with .99 APY, so I recently switched my savings over to Ally to help my money grow faster. At the rate Im saving, Ill probably be about 5,000 short of my goal of 30,000 by 52017, and I wont really have any money left for an emergency fund. Any recommendations? Edit: Forgot to add that my girlfriend will be pitching in as well, but for the sake of planning, Im pretending Im single and there wont be any extra money. You never know what might happen down the road. Edit again: I also see that there are FHA loans available with lower down payments. Are there any restrictions or cons to this? It seems like it would be a great fit for a first time home buyer like me.  <response>: Spend less, earn more, or wait. 