<prompt> Human: My fiancee and I are looking at houses, although were not sure if thats an option at the moment. Between the two of us we have good credit, but little money saved up for a down payment. Wed like to move this year if we can, but with the wedding coming up plus other bills Im not certain well even have enough saved to put 3.5 down for a regular FHA loan. Is an 8020 a viable option, or would it be a poor financial decision in this case?Assistant: I cant speak to the 8020 bit, but if youre not even sure you have enough for the 3.5 down payment, I feel like youre going to be in a world of hurt owning a house. What is your income like and how does a house fit into your budget?Human: In my area it is a LOT cheaper to own than to rent without considering repair costs, upkeep, etc. Im currently living in a 3bed 2bath apartment which is more space than I need, really and paying 900month for it. I could get a modest home of the same size for the same price per month.My income is modest, but higher than average for someone in my age groupabout 30-35k. Whats keeping me from having a sizeable down payment is my credit card debt more than a lack of resources :. Without any credit card debt or a car payment I could easily have that down payment ready in a few months.  <response>: You cant just discount repair costs, upkeep, etc and say its cheaper to own than rent. These are real items that come with ownership and have to be factored in. 