<prompt> Human: My husband and I are in our early thirties. He has a stable job, Im currently a stay at home mom but will be reentering the workforce at some point in the next few years. We dont see ourselves moving for at least 6 years a stipulation of mine. Student loans are paid off, we own our car outright, we pay off our credit card every month in full, and have a comfortable emergency fund.Weve been offered a great price on the house were currently renting and are considering purchasing. But, my husband is miserable about being trapped for 30 years with debt. He struggles with depression, and I think this is a trigger point for him. Ive been trying to explain to him that for the housing stability he craves, a mortgage is reasonable and necessary, but I dont think its helping.We did have a bad experience with purchasing property in 2007. We bought at the peak of the bubble in a gentrifying neighborhood that stalled. It was bad timing on property that had a lot of hidden huge, necessary repairs. We ended up with a short sale, and were out our down payment and equity and had a mark on our credit report for two years that has completely cleared now. In my mind, weve already been through the worst case scenario and came out relatively unscathed. We werent trapped for 30 years. His arguments now are the same that he had purchasing then, but now he feels more justified in making them.Hes a reasonable guy and open to valid arguments. Do you have any good ones I can throw at him? Any gentle ways I can work with him to overcome this fear? I dont like the idea of him lying awake at night and walking around with a hollow in his stomach when he thinks about the final numbers. He is working with a therapist and on medication, but that doesnt fix everything. Thanks all!EDIT: Thanks for your input! Im wishing more and more that the rental market in our area wasnt so expensive so we could build up more of a down payment, and I wouldnt feel so much pressure to buy. Im getting the general sense the house is more than we should be spending regardless of whether or not its a good deal, which is hard to hear but probably necessary. Ill be back in a few hours.  <response>: Summary: Early 30s Single income, stable job; will be 2 income in a few years. Expecting an addition in a few months. Market rental value: 1200, renting it for 900 Net pay: 3200 Approx gross 52K Home offer: 130K , if buyers agent is not used Possible list price: 145K Property tax is about 4500year, 3 Money for down payment: less than 20Below is my assessment: Without 20 down, you are not ready to buy, especially with a baby on the way. I can see why there is a cause for concern. 1100month is about 25 of your gross, so you are already pushing the limit and you didnt even consider HOA, maintenance etc. You didnt mention about an emergency fund. This is especially important if it is a single job. Even if the job is stable, the emergency fund should cover issues like STD, LTD, huge maintenance costs etc. You didnt mention anything about your other savings, retirement plans etc. It appears that your savings are not diversified enough correct me if I am wrong on this, to take on debt due to real-estate. The stipulation of not using a buyers agent is somewhat bothersome. Personally, I would not do it. Pricing wise, I think it is a good purchase because you know the house; is below market value; Rent else where PITI. However, IMHO, you should only go for the house if you have 33 of the home price in your savings 45K. This is for the 20 down payment, 3-4 closing costs and an emergency fund. His fears seem to be very subjective, but the numbers say so too. 