<prompt> Human: Right off the bat:1 Yes, this is a throw away account.2 Yes, this is a bad idea. Maybe not. Read on...Current financial positionMe:28 year old maleIncome - 84k yr incomeDebt - 3k CC 0 interest plan to pay off before any interestRetirement - 48k in 401k, 18.5k in Roth IRASavings - 6k cash emergency fund, 26k stable value fund House FundOther - 20k inheritance soon; Credit score 740Her:27 year old female, just graduatedIncome - 50k starting mid JuneDebt - 33k student loansRetirement - None Just graduatedSavings - 5k in checking accountOther - Credit score 720RelationshipWe have been dating about a year and a half and have just moved in together. We are definitely on the path to getting married and will probably be engaged a year from now. Both of our jobs will keep us in the area for the foreseeable future and we both like living here. She moved in with me and the lease is up in March 2016.HouseWhen the lease is up in March 2016, we are considering buying a house together. We are thinking about a two or three bedroom nursery guest house near where we work on the order of 235k. I feel that I am ready to buy, but she doesnt want to live in my house while we are unmarried.PurchaseI would put down 50k. I am about to convert my House fund into a savings account what I will be inheriting soon whatever else I can save until then. She thinks she can put down 5k from working until then. So a total of 55k down payment. We would do a purchase agreement such that I own the first X and she owns the next Y; proportional to our downpayment. We would split the mortgage and equity 5050 after that. Once we get married everything would be Even Steven.So, are we crazy? I know you should be married before buying a home. However, I feel that I am ready to buy a home now and ready to be married a year or so from now. We would begin the process of getting pre-approved in August and then start to look at houses. Any advice?Thank you!EDIT: A note on the timing. This is long term thinking, but a factor in the decision making process. We would have this house be near the fun parts of town and near where we work. In the next 7-9 years we would then get engaged, married, first kid, second kid... then in 10 years our first kid would be entering kindergarten and the house would be getting full. Then we would sell it and move to the suburbs to a bigger house with good schools. If we wait 1-2 years to buy that first house then we would only live there 6-8 years and that isnt long enough to make it worthwhile. So, I really dont want to delay this initial purchase until later in life.Assistant: Any advice?Dont do this.Either wait until you are married to buy a house. or You buy the house you have the title and the note in your name. she has no money anyway She can pay the utilities. If you go this route, check with an attorney. The law might be funky on this.Human: Ive offered her that option, but she does not want to pat to live in my house. It is just how she feels.And we would definitely have a lawyer draw up the purchase and ownership agreement. We have already discussed this and feel comfortable about it.  <response>: In that case100000 wait until you are married to buy a house. 