<prompt> Human: Signifigant Other and I have 750 and 760 credit scores. We make a combined income of 85,000 and live in Idaho.Current DebtMy student loan: 30,000Her Credit Card: 1200My Credit Card: 5000Car Loans: 10,000 and 15,000We never miss a payment. We currently pay 950.00mo in rent for an upscale 3BR condo. Housing is very cheap here, we could pay 150,000 for a house the size wed want.Im sick of pissing away money to live on someone elses property.Any advice for first time home buyers? I know USDA offers 0down loans that are some sort of Idaho based first time home buyer incentive.Could we even qualify with our combined debt?Where do we start?Assistant: You may never miss a payment, but at the least you should get those credit cards down to zero. Also do you have an emergency fund? Down payment? Human: I only have 3500 in savings.  <response>: Youd be less than one emergency or job loss from losing your home. One blown furnace, one major roof repair, one major plumbing leak, anything. Even just your fridgestove or water heater going would set you back very badly. You state you dont like pissing your money away, but youre probably paying a good amount of interest on those credit cards each year. I dunno man, Id be very adverse to buying a home in your situation until I had more saved up. USDA loans also are really only for rural areas typically, which means youd need to be further out from your jobs, which would increase wear and tear on your car, gas money, etc. Have you looked at qualifying areas on the USDA maps? Actually another important question, have you checked to make sure youd qualify for a USDA loan. I think if its just you and your SO, you may make too much to even qualify for your area. 