<prompt> Human: So... this is my first time posting here so if I leave out anything that could be helpful please let me know.I bought a house last may and have it finances for 143k, I currently own 141ish but I used the GA dream program. They offered a 5k down payment assistance to a first time home buyer and locked me in at a 4.5 percent interest rate. I have to keep the home for five years to keep the 5000, yet I will need to repay it or I will need to repay it if I refi.I bought the house because the baby was coming and we needed to close soon and I wanted stability for my family. I wont go in to details on why I hate the house but some of the things the homeowner disclosed were not accurate. My neighbors arent the best but that is expected in a community. My home appraised at 148k.i have the following CCsdiscover - 4k 4500 balance used it for last semester of college bad idea i knowCap1 -700 1000 balCap 1 2 - 800 1200 best buy - 200 800Car loan8500 leftpayment is 185 mo 4.2 percentstudent loans37k pay as you earn currently 40moI make 55k per year, single with fiance and a baby born in June. House is on solo income as fiance is stay at home.Income is around 1480 bi weekly after taxes and insurances are deductedThe reason I am writing here is because my father is a building inspector and has built a few houses with different layouts that I like better than my current home.The homes he had builtCost 110k - Appraised at 350ksame model can be built without a basement for around 60kCost 46k - Appraised 110kCost 56k - Appraised 150kI would like to save or build a home for around 60k but I am not sure the best way to go about this. I am thinking I should stay in current home and work out these high balance cards then save but unsure. help reddit!love you  <response>: Nothing much you can do other than start socking away as much savings as possible. Even still, if you managed to save 1,000mo, youre still looking at 5 years in that house. Id focus on fixing what you dont like if its that bad. 