<prompt> Human: My take home pay is 4000 dollars after taxes. I have saved up about 5000 in my savings account. I dont own a car and dont have any loans to pay. My total monthly expenses is about 2000 dollars including rent,grocery and utilities. I save about 2000 dollars each month.Iam thinking of buying a house that would cost around 400-450k in few years. How much savings in cash should i have to reach this, and how long it would take me looking at my situation. Is there any efficient way to accomplish this goal? Any suggestions highly appreciated!!  <response>: a 450k house will be about a 90,000 dollar downpayment and almost a 1800 dollar mortgage payment every monthassuming a standard interest rate and a 30 year mortgage, your property tax will be somewhere between 4000-10000 per year, along with monthly bills and insurance and maintenance on the property. assuming you keep up the 2000 savings every single month, you will have your downpayment in close to 4 years, you will also want to save extra for unexpected costs, repairs, etc. that is also a huge monthly obligation if you are not expecting some raises or additional income before you buy the house, and with your income, you might have a hard time finding a loan for a house that high. 