<prompt> Human: My wife and Is lease is up on our apartment in July and we would like to buy a house but I have some questions about how to make the best decisions leading up to it. My main question is will it help more to have some debt paid off first or put the extra money into a larger down payment?Our financials:7kmonth combined income after tax3.8k left 175mo on motorcycle 19k left 300mo on student loans390mo on car leasepaid off second car3.3k in bank3k on CCs mostly medical bills at the beginning of this month6k in mutual funds plus a decent amount more in retirement accounts1500mo in rent and utilitiesI was going to pay off my credit card debt ASAP but that leaves me with a good amount of cash flow 3kmo to work with. Should I pay off my motorcycle or save that money 3900 for a larger down payment? My thinking is that a reducing debt will increase my credit score but its already in the high 700s so Im not sure how much that would actually help.Im pretty sure that any house we buy the monthly mortgage payment and tax will be comparable to our current rent plus we will actually be gaining equity. We are looking in the low 200k range.  <response>: You arent ready for a house. You have over 25k in debt, a really small emergency fund, and no down payment for a house.Where are you going to get the 14-18k for closing costs from?Increase your emergency fund. Pay down debt. Save for a down payment on a house. In that order. 