<prompt> Human: Am I out of my mind for wanting to buy a house? looking at some small ones around 85k-100k. My credit is pretty good, and it will go up when I pay off my low balance on my only credit card when tax season hits.Could someone explain how to go about doing this if Im not completely insane? I know there are first time home buyer incentives and mortgages that dont require a down payment. Any info on these or tips? Im just not sure if Ill ever get accepted for a loan with my low liquid assets even though I could afford payments easily. Any help or pointers would be appreciated.  <response>: why cant you wait til you have money for a traditional down payment? 