<prompt> Human: I pay 975 a month on my current house rental that includes power and water. I am looking at buying a house for 110,000 with a VA loan. I currently make 500 a month after all my bills not associated with housing. I just came from vacation so I have nothing saved and my tax return will be used to pay off all of my current debt except my car payments which is already included in my previous bills. I was wondering what my options are and what steps I need to take in buying a house that would cost 110k at most using a VA loan.  <response>: You need to save for an emergency fund, then a down payment, and then you can think about buying a home. 