<prompt> Human: First off, if this is in the wrong subreddit, or formatted wrong, let me know and Ill either delete it or fix it.My girlfriend just got into Graduate School, so were going to be in town for at least the next two years, and we thought of buying a house and just planting down here, not a terrible place. We live in a Studio Apartment in Student Living right now paying 750month, and that is utilities included. Tiny space, I turn 26 this year, she turns 22 next month.We have no trouble paying this at all, and am actually starting to build up a savings, slowly but surely. My main question is:We saw a house we really liked, 154,900 negotiable, which is about average for our area, the problem with our area is its either the ghetto or the price we found and up. I was looking at mortgage stuff, I have a good credit score because my mom made me a rider on her credit years ago and her good payments made my score go up, I suppose? Anyways, it was showing 711month and that was Principal and Interest, Property Taxes, and Homeowners Insurance or at least an estimate via Trulia.com, and then utilities on top of that, so mortgage were only looking at 100-200 on top of that, my problem is Down Payment.20 would be 30,900, I only have like 500 saved... Since we can easily pay the mortgage payments, could I take out a bank loan for the down payment, and then just have the monthly mortgage payment and the monthly loan payment? Im new to this home buying experience, have either lived with my parents or in student living all my life.p.s.: My job is a little under 1000month, and hers is more like 600-700month and hers fluctuates, but thats because shes in college. She has a lot of school loans and scholarships saved up that shes not spending, but since shes going to get a state job, theres a debt forgiveness program shes going to apply for, but her job after grad school will be 40kyr if all goes well  <response>: Unmarried, no money, still in school...keep renting. The housing market isnt going anywhere. 