<prompt> Human: My girlfriend 24 and I 24 have been looking around at houses in southern California and havent found anything noteworthy short of 350k range. I gross about 40k annually working full time for the same place for 2.5 years, her income is about 37k annually with her promotion this month from part time to now being full time, and shes been working with Bank of America for about 1yr I mention her job since maybe itll help with the mortgage loan process?Monthly net income is about 4.5k combined, and combined current billsexpenses are roughly about 1.3k monthly, leaving about 3.2k disposable income we both live rent free at our respective parents homes; we do not live together yet but i plan to propose and be married before we buy a home, hopefully around the end of this year or early next year. We have about 20k as a downpayment, and about 4k in additional savings as of right now. Zero student debt, but I have about 13k in debt for my car and she has about 8k car debt.Credit cards paid in full every month with our credit scores both being in the low 700 range I havent had a credit check recently but in 2015 it was about there. All bills paid on time since.I know we need to be preapproved before we know what banksetc are willing to loan us towards the purchase of a new home. However, is my idea of purchasing a 350k home realistic...? Is there anything more I should be doing?nbsp;Edit: I understand exactly what everyone means about getting married and being 100 sure with my SO first since there are TONS of stories not only on the internet but we see this situation everyday countless times IRL as well regarding problems which arise with partners. So i really want to thank you all for your concern and looking out for me, a total stranger you stumbled upon on the internet. Thank you everyone for your input too its sincerely extremely appreciated!! Ive been researching stuff on my own since I know Im not quite ready for a house on zillow FHA government sites misc sites and couldnt get half the information you guys gave me over such a short amount of time.This might be too sappy for reddit but Im really just trying to move on to the next phase in my life and I realize theres a lot I dont know yet so everyones input is extremely appreciated! Thank you for the education!  <response>: 350k is too much house for 77k combined income. I recommend you look for something around 230k. 