<prompt> Human: I currently live in an apartment with my wife. Rent is 1570 a month. Our lease is up soon and Ive been looking at houses. Theres a nice house for 250,000 that we like. I make roughly 85k a year with about 1000 in expenses each month including any debt I have. My wifes situation is a bit more complicated. Shes working part-time and going to school so shes only making enough to pay 750 in rent and cover her bills. Next spring she will graduate. Without going into detail she should be guarenteed 90k or more salary, however we will have about 60k to pay in student loans. Note: if worst came to worse anf school didnt work out she would make 60k at her current job if she were working full time I have 45k in the bank and willing to put down 20k on a down payment for the house.Other factors about the house:1.5 property tax135 a month for Homeowners association.Also we have pretty solid credit.So should I spring for a house that I want now, or wait another year and live in an expensive apartment? Any adivceopinions are welcome.Assistant: My first thought is that 10 is considered a slimmer downpayment but still okay. 20 is more advised. Since your current savings arent enough for the 10, it might be good to wait a little longer.Human: Yeah Ive heard 20 is usually best though nobody I know thats bought a house ever seems to put that much down lol.  <response>: You are in a good position to save more since your wife will be making more money really soon. Sometimes putting down 10 is all you can do because neither income nor savings are going to change and thats the only way to get into a house. In your case you are on the cusp of being able to save and qualify for a better loan with your future combined income. 