<prompt> Human: We live in Southern California, and since having our first child last year, have been contemplating buying our first home. Were in our early 30s and my wife stopped working and our rate of savings isnt what it used up be but were beginning to feel its now or never as the housing market continues getting out of hand. Ive been hesitant since I lived through the housing crash ten years ago through my parents actions and cant seem to find anything in our general vicinity or further for under 500k. My father-in-law offered to loan us 100k for the 20 down payment and we could the rest of our savings for the other cost. I feel extremely uncomfortable borrowing that amount of money from family and my wife has her heart set on buying a house this coming year. It would take me at least 10 years to pay him back. Should i accept his offer? Why or why not? Are there potential benefits or downsides to accepting his offer that Im not considering?  <response>: I wouldnt take the money. If your wife truly doesnt want to work I would also consider relocating. One income in Cali with a kid at 100k sounds pretty brutal. 