<prompt> Human: We pay 1300 for rent now plus electricity, water, trash and sewer bills. I know a house payment will be cheaper so how do I get in one?Edit: I dunno why the post is tagged taxes?  <response>: A few thousand is almost certainly not an adequate downpayment in a market where you are paying 1300 for rent currently. Cut your spending, increase your income looks like your wife may be able to do so, and save for years. 