<prompt> Human: The missus and I are looking to move out of our crappy duplex when the lease ends in the next 6 months but we cant afford the 20 down payment for a mortgage. Weve been looking on Realtor.com and Zillow for available houses we think we can afford based on the mortgage payment, but the down payment required to make the mortgage along with tax and insurance affordable is more than we have. I know there are down payment assistance programs but the one locally is only for homes in certain areas. We have credit scores in the 700s each and securing a loan shouldnt be an issue, we just dont want to get stuck in a loan we cant afford but we also dont want to buy a house we dont like just because we can afford it.  <response>: You cant afford it then. 