<prompt> Human: Ahoy, personal financers. I talked to you all just 4 short days ago about buying a house I wanted to clear up a few things and see if I still have vehement opposition and if I need smacked and am about to make a mistake. This is all still conjecture and a very floating decision right now. IF, I decide to do this, I will be putting solely my name on the legal documents provided I have acceptable enough credit 704 at last check a week ago. Although I love my girlfriend dearly, youve still got to cover your ass later! potentially.I put in an informal offer at 100k for the place and it was informally accepted. I actually had a credit check with me and the girlfriend a week back and heres how it came out for calculations on mortgage, pmi, etc. Granted, these will all change. This is all quoted from an email from the loan guy Ive been working with. 109,000 Purchase Price Including up to 2500 toward Seller Concessions to cover closing costs and prepaids. At an allowable 96.5 for FHA Loan makes the new amount 105,185. That makes the up front down payment of 3,815. That can be a 401K Loan, or gift from family. Add the Up Front Mortgage Insurance Premium for the FHA of 1.75 and the new loan amount is 107,025107,025 3.875 for 30 year fixed rate 503.27Add Monthly PMI of 75.81Add Taxes and Insurance of about 200 per month combined This gives us 780 a month utilities. There is a grant program I am eligible for that will cover the 3 down payment. 3 Down Payment Assistance Program Eligibility requires 78k income for my county. Now for my financials:Income: 40k year 2200month after tax ouch10k in savings not a good emergency fund, I knowMonthly Outcomedebt: savings of 20: 440 pay yourself firstFresh student loan out of deferment: 110 monthPhone: company provided, freeCar: Owned outrightcar insurance: 75gas: 100-150 50 miles per work day 5 4 1000 25 mpg 40 tanks 2.50 gallon 100 the move will be 15 miles from work and around 576 miles a month, a little betterfood: 150 loose guess, probably moreclothes, sundries, various items, misc : uhhh 150?total monthly liabilities, give or take: 10752200 in - 1075 out leaves 1125 dollars left.Add in mortgage of 780 90 water, 150 electricheat 1020.1565 - 1020 50 dollar bills left for spending.Add in girlfriends rent share of 300 seems fair? and I have 345 dollars left after rent, expenses, and savings.These figures hurt a little bit but they seem better than rent for what would be a good place in this area. The house has a new roof and water heater as well.Like I said, feel free to smack me back into my place if I am not thinking correctly or Im fucking up here. I dont know if Ive justified it to myself or what but it seems like an OKAY deal. My parents are pulling me the other way and saying I should take the deal and how the people that were my age that bought a house when they were young are doing well nowadays. Im still young though and in need of some guidance here. Thanks for the advice!  <response>: Im just wondering what is going to happen if your gf doesnt pay her 300. If you and her split will you get a roommate to help pay the bills? As mentioned earlier, get a home inspection. I also got a video plumbing inspection. I walked away from a house because it needed all new plumbing under the house. It would have cost me thousands to fix if I hadnt. What if property taxes get raised? Does your state offer homestead exemption? Just some things to think about. 