<prompt> Human: Im looking into buying a house one of a few ways, and Id like to know which would be best for my situation. Putting 20 down is not something I could do, but I feel like now is the best time to get a house. Here are my options: USDA home loan with nothing down, but not a lot of good houses in a price range I can afford looking at houses that are 100,000 or less, but not finding a lot in the area, so Id likely have to up what Im willing to spend. FHA loan where I put down less than 20 but have more options of houses, but have to draw out of my traditional IRA for the down payment. If the house is 100,000 then I have enough to put down up to 10.  <response>: Buying a house is a lot more than just the DP. I recommend having at least 5 of the purchase price in available cash for year 1 repairs. If you dont have thousands in your checking or savings that you are willing to part with immediately hot water tank breaks, need new appliances then dont entertain buying a house. Shits expensive. 