<prompt> Human: My husband and I are trying to buy a house. We have been putting off replacing his vehicle until the mortgage goes through, but we had a major setback last night as the seller backed out on us at the last minute. It looks like we wont be buying as soon as we hoped. His 20 year old truck is literally falling apart. It skips gears and he regularly has to pull over to refill the radiator before it overheats. We both work different shifts and there are times he absolutely has to drive to transport our kids. Otherwise hes been walking. How much does it mess up our credit and potential mortgage to take out a car loan right now? Is there an ideal time period between these two events?We have about 40,000 total in savings that is meant to go towards our down payment on a house. It is mostly an inheritance and the proceeds of selling our previous home, and not easily replaceable.  <response>: Buy a beater, dont go out and get a car loan just because the house you wanted is no longer an option. 