<prompt> Human: Here are some factors to take in. I dont have a car, and I spend around 200 on food and other misc. things. Im also not sure how much I should throw in on the down payment.Edit: Forgot to mention earlier that I am not married and have no children.  <response>: you would be looking at throwing an entire years salary pre tax salary as just a down payment for this house. You would still need a 3-6 month emergency fund, plus money set aside for closing costs and moving expenses. at your income level, that would be probably close to a full years worth of post tax salary as well. unless you are in some very very odd situation, that is way too much house for your income level. 