<prompt> Human: Long time lurker on this sub-reddit, and I have a question. I know that this sub-reddit does not like the idea of not being married before purchasing a house, and I would like to know any input, or anyone that has had successes or failures with it. My girlfriend and I, both 25, have been dating for 3 years and are looking at finally moving in together. We spend a large amount of our time together, and know we would live well together sounds naive typing that, sorry. We currently are stuck on purchasing a home together I know the no spouse, no house philosophy, but we have discussed it and would have it legally written up for 5050, or deciding on if we should just rent in the general same area. Renting in our area of the country is around 1300-1700, same as if we were approved for the type of mortgage we would like. MCOL state. The mortgage we would be looking at would be for a house that is 260K, and we would be putting down 25K, 12.5K each. We are okay with paying PMI. Our reasoning is that we feel very stable in our relationship, and our city concerns us with the rise of the housing market that we wont get in early enough.Currently, here are our situations financially. Myself:Make 57K a year - 3400 take home post tax - Health insurance is included 5 increases for the next 5 years, very stable career. 20K Savings.0 CC debt. No student loans. 500 Truck payment per month - 34K truckMy rent is 475 multiple roommates.126 for car insurance150 for utilities, 100 for gas, and typically save 800 per month. Contribute approximately 11 into 457 and am a pension employee.Her: Makes 50k a year, 2800 post tax income. Health insurance included. Should be getting 2-5 increases ever year. 25K savings.0 CC Debt, No student loans, no car payment. Owns her car outright.150 for car insurance. 200 on groceries.150 for utilitiesShe contributes approximately 6 with a 3 match.She usually saves about 1000 a month.Sorry, I will edit and fix the formatting if its a mess. Thank you for the advice ahead of time.  <response>: I dont see this being a very good decision.You are also spending wayy too much money on your vehicle.726 on a 3400 take home pay is over 21. If you do decide to go ahead with this, make sure you have a proper prenup and a proper legally binding agreement in case things go south in future.Rent together first though. 