<prompt> Human: This is the decision my girlfriend is trying to make. She doesnt use Reddit but is aware of this community because I bring it up often. She asked me see what all of you would do in this situation.She has no debt other than the 17,000 remaining on her car. Shes in the market for a house and isnt sure if she should pay off the car or use the money for a down payment. I suggested that she pay off the car then pay her self the monthly car payments until shes back up to a down payment shes happy with before buying a house.I would love the communities input on this one. Thanks.Edit: - Location: Denver CO - Car Loan APR: 3.75 - Credit Score: 827 - Emergency Fund: Yes - Retirement Accounts: MaxedEdit: Just wanted to thank everyone thats provided feedback thus far. This community is great and Im now educated about so many things that never crossed my mind when her and I talk about home ownership. Things that are going to make a direct impact. Thank you all.Edit 3: Thanks everyone for all the taking the time to provide fantastic advice. Her and I had a great talk about things last night and have a pretty good idea about how to proceed. Things we had never considered were closing costs and mortgage insurance. I woke up this morning to an inbox full and I cant possibly get back to them all today. This edit based thank you will have to do. Cheers.  <response>: Sell the car buy a cheaper car pay off all remaining debt save three months cost of living save for down payment on a house wait for the housing market to be favourable your ready to offer a down payment on a house. Or youll be ready for a nursing home. 