<prompt> Human: I currently am making 50K, with 15K saved up The only debt I have is a car 7K loan left on it I plan to find another higher paying job since I know Im underpaid. I have 40,000 in my 401KMy girlfriend has 25K saved up and makes around 55K. She has no debt whatsoever. How much can we realistically afford? We want to take out a 15 year mortgage and are looking for houses between 100-200K but not sure if thats out of reach.Were both 25 and Im just very weary of losing our jobs because of the economy and not being able to pay the mortgage. Ideally, my girlfriend was suggesting to down pay 50,000 but I feel thats too much.Assistant: 3x your annual income is usually a good rule of thumb for house buying.Human: Is that for one or two person?  <response>: Its for whoever will be on the mortgage.Are you both buying the house? Any reason why you arent getting married first? 