<prompt> Human: So Im thinking of buying a house as I cant imagine living in a 700 sq. ft. apartment with my future wife and her dog comfortably. I already pay around 1000 a month in rent, and its roughly 20-25 of my monthly income before taxes. I feel that I budget pretty well. I use YNAB and even though I dont have a large emergency fund like I used to after buying my fiancees wedding ring, I still can pay a full months expenses at the beginning of a month and have roughly 100-200 left over. I dont know exactly what kind of information would help anyone give me better advice so Ill be happy to give extra info as its needed.I appreciate all and any advice. Thank you.Assistant: Can you afford a down payment on a house? Based on your post, it doesnt seem like it since you say you dont have a large emergency fund like before. Gotta save for a down payment before you have a realistic shot at getting a loan. Human: Not really. I might be able to get a couple thousand together in a few months plus eating into the cushion that I have month to month.  <response>: Then you cant afford a house. Maybe, the two of you can afford a slightly larger apartment while you save for a house. 