<prompt> Human: Ive been looking into this for a few hours, but cant decide what is right...House is 400k, Planning on 10 down 20k liquid. 40k can be pulled out of my Roth IRA without penalty. A quick estimate can be seen here: I know mathematically, I can afford this house. 2.8k of my monthly take home income of 5.4k would go towards rent. This is upwards of 50, is it a good idea?Appreciate the feedback...edit: 2.8k is PITI plus HOA feesedit2: SoFi offers home mortgages with 10 down with no PMI cost SoFi covers that cost. Interest is higher though, at 4.6edit 3: Thanks for all the responses!!! Everyone agreed I should not buy this home and after thinking some more, I will not be purchasing this house. Lots of great feedback and suggestions. Thanks again!Assistant: Maybe you can start making that payment to a savings account as an imaginary mortgage and after a couple of months, after the thought of owning a house, see how you feel and how your budget is. You will see how it feels and you will also have accumulated more for a bigger down payment :!Human: great idea!  <response>: That was the best advice in this thread, just remember that mock mortgage payment is the floor for your monthly cost, not the ceiling. 