<prompt> Human: I live in PA. She brought up the idea today after telling me shes retiring. Ive lived here rent free most of my life, but I help her with bills and maintenance. House is in good shape, probably worth about 110k. She wants to sell it to me for 86k. I dont have any money for a down payment, as Ive been throwing my money at debt. I have a decent amount in my 401k that I might be able to to borrow for a down payment.What do I do? Ive never bought a house before.  <response>: Please dont touch your 401k to do this. Youll not only have to pay it back but you will lose a ton of compound interest by taking money out. 