<prompt> Human: Looking into buying a house for me and the boyfriend, but my credit isnt exactly up to par 575. I could try repairing my credit, but Im trying to move before the end of the year.Here is a simple breakdown of my finance:Income:3000 month - Income Mine900 month - Inheritance BFsExpense:250 month - Car Payment180 month - Car Insurance150 month - Credit Card Debt This will hopefully be gone by New YearsProjected Expenses:100 - Electricity45 - Gas45 - Water90 - InternetWould it be a good idea to have my parents co-sign a loan if it helps me qualify for one? The other option is my parents buying the house outright and having us rent the house from them.  <response>: You cant afford a house honey. If you only have a 2000 emergency fund you have no business buying a house. Also, you should have a 20 down payment. Be patient and keep saving, your credit will improve over time. Also, it sounds like your boyfriend needs to get a job if hes only living off of an inheritance. 