<prompt> Human: Backstory: currently we are living in an apartment 2 bedrooms that is running us just under 1000 a month. Expensive for no return on investment we found a house that we fell in love with instantly and want to purchase it. The cost of the house is 135,000. Our combined income is about 75-80k a year. We want the house incredibly bad as it has literally everything we want in a house, 3 fireplaces, pool, big yard, basement, lots of open space. The problem we are running into is being able to gather the down payment. In order to get into the home we need to have a down payment of 3500. We currently have 1000 in an emergency fund that will not be touched. I know that 3-6 months living expenses is the typical want for an emergency fund, however we are getting sick of paying rent with no return. Especially where we are living now. It will most likely take us about 3 months to save the money in order to have the down payment. The problem that we are running into is that we are not sure if the house will still be on the market in that amount of time. Moving will save us almost 400 a month in living expenses from the apartment so it is very intriguing, but we also know that moving will cost some money in the meantime. Affording the house is not the issue but rather just initially getting into the house. The only barrier we have right now is the down payment.Questions: Is there such thing as a deferred down payment plan? If there is not, is there a way to secure the home for the next 3 months for us to gather the money for a down payment? Is there another way to get a down payment?Thanks in advance for the help and advice reddit  <response>: Expensive for no return on investmenthowever we are getting sick of paying rent with no return.Having a roof over your head doesnt count as return? Ok.Is there such thing as a deferred down payment plan?Some mortgage providers will let you take out a mortgage with 0 down, for extra cost.Is there another way to get a down payment?Part of buying a home is being ready to do so, and you are not by your own admission ready to buy a home. If you cant get a 0 down mortgage for a price youre willing to pay, its not the time. 