<prompt> Human: So 28yo single woman making 92k, wanting to buy a 155k house. Ive been preapproved for a loan at 4.5 with 5 down. Its looking like itll be around 6k of closing costs and other fees. Ill need to buy appliances. Is it wrong to do the 5 down and pay for appliances in cash, or should I put more down and pay off the appliances on finance? I plan on living in the house another 10 years. ---Edit to address things people keep bringing up that I didnt ask about: - Im moving across country next month, so please stop asking me to wait and save more. - I lose 3k of relocation benefits and have to pay to move myself again if I rent instead of buy. At PMI at 80mo it takes over 6 years for the PMI option to be worse than the extra moving costs. - I already paid off 30k in student loans so I dont have a saving problem - Im currently paying 1350 in rent and the house would be 1100 allowing me to save the 250 towards repairs. - Its not FHA, and the PMI comes off at 20 equity. Assistant: Appliances dont have much to do with buying a house. You should save up a decent down payment to avoid PMI. At your salary, it shouldnt take long to save 30k if you are diligent in budgeting over the next 12 months. Your future self will thank you.Human: Im moving to my old home town. The company is paying for the move. If I rented for a year, then I would have to lay for moving my stuff again. On the other hand, if I paid extra off towards the house Id be done with PMI pretty soon. At 80month PMI, it would be 3 years to equal moving costs. So as long as I paid extra off to get out of PMI before 3 years I would he ahead. ---As for the appliances, Im assuming I need a fridge. I forgot to add that my company gives you 3k more on relocation if you buy instead of rent.  <response>: Dont let people freak you out about the PMI. As long as it goes away when you hit a specific ratio, you are good. At 92k a year, 80 a month should be a drop in the budget. I agree you are smart for moving into the house instead of renting. Moving is a bitch, and its worse when you are single. Get it out of the way, with just one move is the way to go. 