<prompt> Human: Hi PF,I recently graduated from college and am fortunate enough to be in a field that pays decent off the bat software engineer. I have 24k in student loans that I plan to have completely paid off in about 5 weeks, but at that point I wont have much any? money to my name. Im also considering buying a new civic i have a 97 with 200k miles with inspection due this month that Im thinking wont pass. I like the civic cause it is reliable, good on gas, and will last practically forever without maintenance.Im currently living at home paying 600month still to help me save up, but Im at a point where I really need to move out for my mental sanity. So basically looking at apartments a 1 bedroom in my area is 1600 mo, or I could share a 2 bedroom for 2k and pay 1k a mo.Theres houses in my area though for 350-400k that I really like. On a 400k loan I calculated the monthly payment would be 1850. I know that I also will have more utilties, property tax, house maintenance, etc. So basically im assuming it will be about 2500 month. So in my mind, yes im paying 700 more a month, but with everything factored Im actually not really spending more cause the tax write off ill get. I currently take home just above 4k a month.To me, my payments giving me equity is obviously so much better than paying rent. And even with estimates on extra taxes and maintenance, I think its a modest increase in payment for that benefit, and with the write off it proably just about washes out.I would also much rather live in a house than an apartment if I had a choice, no risk of noisy neighbors etc. Anyways I havent put a ton of thought into this, but id love some feedback. I would be student loan free before doing the move. I dont have the 20 to put down, so im sure Id have PMI unless theres some sort of deal for fresh college grads.Assistant: What is your gross income per month? You may have a hard time getting approval for a mortgage that big on your income.Human: 86k year  <response>: That house is way out of your price range. 