<prompt> Human: So Im 21 with about 1400 in the bank at any given time, but no significant savings. I got a job about 4 months ago that pays around 30k a year, and have been renting a house from my father for the last 2 years. The situation here is my dad has offered to sell the house to me for 50k, which is all he still owes on it. My boyfriend lives with me and pays 400month, but I know relationships can be fickle and dont plan to sign with him for anything. I pay about 500 a month in rent, as well as 200 give or take in utilities. I have a 2001 Sebring paid off, no student loans, no other significant debt save for about 300 on a discover card Im paying off. I also make about 180 a month in piano tuition, if thats relevant. I just want to know if a 50k house is a lemon waiting to screw me over, or if its a safe way to jump into adulting. Possibly of note- I have almost no credit aside from the discover card, which is about 4 months old. Will banks laugh me out of the door?  <response>: If you dont have significant savings, you cant afford a house, because youll be in credit card debt the first time a pipe bursts or a water heater dies. The other details dont really matter because of your lack of savings. Luckily, at 21 you have plenty of time to save up for a house in the future. 