<prompt> Human: Current living situation: Renting a house with my sister 1000 she is planning to purchase this house with her boyfriend. So its time for me to GTFO. Financial situation: Income: 47k per year, no debt 770 credit score. 25k liquid. I will have 4k coming back in taxes soonOptions: Buy a house: I was pre-qualified for 200k but that seems insane to me. I think 150k is more realistic. I think putting down 15K seems like a good idea, but I am not sure if 10K closing costs makes more sense leaving me more for emergency fund. I live near a military base so the rental market is a little inflated. You can get a 1Br apartment in sketchy areas for about 1000, 1200 for better areas single female so safety is kinda important for me. I also have a dog which complicates things. I plan to stay in the area forever. Live with my aunt Next door to my parents: I have the option to live with my aunt rent free for one year to help me save up for a larger down payment. But I have lived on my own for 7 years and moving back in with family is a blow to my independence. I could probably save between 12K-15k in a year with no living expenses. Is it a financial stretch to think that I can afford a 150k home now?Also my dad is basically a contractor so home maintenancerepairs would be discounted for me for the most part. Also, I already have furniture for a whole house.  <response>: If I were single, Id take the chance to save 15k a year in a heartbeat there are going to be waayyy more costs to owning a home than just the mortgage. Seems like a great chance to stockpile some additional savings, even if it is only for 6 months. 