<prompt> Human: Hey all need help, this is a throwaway i am a long time redditorRight now I make 28,000 salary and my wife makes 30,000. This is all before taxes, and health insurance is taken out of her check, so its 30,000 after shes paid for the health insurance.I have a 8 year old son from a previous relationship. Right now we are living at MY PARENTS I know. After my first relationship failed, I had no job, and needed help. I got full custody of my son, and moved in with my parents. Since then I have found a wife, and she lives there now too. The reason why we have stayed is because it is in an affluent neighborhood and the schools are good.Now. Our Real Estate Lady says we should get Pre-Approved for about 200,000. I have a 710 credit score, and my wife has 619. We really only have 2 new cars 367month, both in my name. And insurance 150per month for both of us. I recently acquired 3.6k in CC bills due to paying off my wifes old judgements on her credit. Real Estate Lady says they wouldnt have approved us with all my wifes old judgements. So anyways they are fixed. My wife has little CC debt, just a few hundred. I have fixed most of her debt hence my new debt!We are looking at something around 1000 a month. I know I havnt provided much numbers, but maybe someone can help. Right now we really dont pay food or anything.I am also worried because 200,000 will move us out of the area all houses are 300k in this area. Then I worry if my son will be affected moving to a different school. Someone please help!ThanksEDIT : We also have a renter who will pay 400mo wifes sister...EDIT : Sorry for the multiple edits. This is Southern California because a couple people have asked.EDIT : Another redditor asked: The loan we would qualify for is 0 down payment first time buyer loan. So yes we WOULD qualify. The houses we were considering are about 150-175k  <response>: Im sorry to say this but you arent anywhere near close to being able to purchase a house. Keep living with your parents and SAVE SAVE SAVE! Also, if you two want to stay in the area, you need to start bringing at least 100K between the two of you. 58K just isnt anywhere near enough, even for a 200K mortgage. 