<prompt> Human: Hello Rpersonalfinance, My girlfriend and I both live in our own apartments. Were ready to move in together. I currently pay 1550mo nothing included and she currently pays 1250mo all included. She has lots of money tied up in student loans est 40k and I have a small amount tucked away for a downpayment for a home. I have been looking for the past 5 years or so and have stashed away a few for when I found something. Im thinking the best thing to do is to buy the house in my name since I will be paying 100 of the downpayment and charge her rent to help pay down the mortgage. I think a legal month to month lease for 1250mo or whatever we deiced to be fair based on my mortgage would be the smartest thing to do since were just dating at this point and you should always plan ahead. I brought this up to her tonight and she agrees and thinks this is a good move. We both dont have any experience with this exact scenario so Im writing to see what you all think about this scenario. Is this financially smart? What should I be careful of? What am I not thinking of both financially and relationship wise? Help! Edit - A lot of people are asking why I would charge her rent and where the 1250 for her rent comes from. The house is 650,000. The mortgage is 3,250.78mo. Im putting 50,000 down. Im buying this house by myself and I can afford this house on my own. She mentioned 6 months ago that we should move in together. We just got back from a 2 week vacation where we spent ever single second together and it was really really nice. I fell in love with her more then before. I think its time we move in together too. Weve been looking at houses to rent and theyre all 2800. We agreed wed split everything 5050 in an apartment. Id rather spend a little extra and put my money towards something I own instead of an apartment so I came up with her rent which she is paying now of 1250 towards the house in which we would live in. My payment 2000 50 of groceries and cable, etcHer payment 1250 50 of groceries and cable, etcI would end up paying for most of the groceries and cable but I want it to be out there first that its going to be 5050. We have already talked about all this and she was very happy about everything. Im basically asking if there is something were not thinking of.  <response>: Just to echo what some others are saying, MAKE SURE that the mortgage amount is something that you can afford BY YOURSELF. If worse comes to worst and the girlfriend moves out, you need to be certain you wont have to be forced to sell just to avoid being homeless.That said, this could be a good arrangement. My gf and I currently have the same arrangement, even though I already had my condo before she moved in. My mortgage is roughly 1400mo which I was comfortably paying solo, and my gf was paying 950mo for her 1br apartment. She moved in, and we both thought charging her 400mo was fair, along with paying for the gas bill 10-30mo. Its worked out great and were both saving a lot more money. 