<prompt> Human: My fiancee and I are looking into buying our first home. We both currently live with our parents, so this is a pretty big step towards being independent. Were looking to have things settled before we get married later this year September simply because buying a house and having a wedding should not overlap... Nothing has been closed yet, but we are fairly confident that we will be purchasing something soon. My sister recommended a company that builds houses based off a variety of floor plans that allow you to customize the internals and we were happy with what they offered couldnt really find anything on the used market.First off, we currently live in Omaha, NE, if that matters to anyone. Our buying limit is 210k and our yearly combined income is 82k soon to be 85k -- can basically only go up, but no one will leave their current job without already having another lined up. New, decent starter homes in our area could probably be had for anywhere between 120k and 160k, but were looking for something a little bigger, something we can be happy with for at least 10 years. None of those start homes appealed to us. With our build option from above, we would be located in a developing neighborhood in a district just outside a big city. This district has a VERY good school system, so thats a plus, though we have no expected kids in the near future.Our current financial situation is pretty good. We have both graduated from college, both have stable jobs, and have zero debt neither of us have ever taken any loans. However, I have 0 credit always just saved up and bought everything in cash, neglecting a credit card... stupid me, though the soon-to-be Mrs. has good to excellent credit 700. We are in the process of adding me to her credit line, so my score should soon reflect hers. Our currently monthly expenditures are also basically nothing as well.We have been saving up for quite some time, so we already have our 20 for the down-payment and then some. This is constantly growing as well. With the building process, well have an additional 5 to 6 months to save, though well obviously need furniture and whatnot...Anyways, Im not sure what else to provide. I understand that this is a pretty big deal, but are we doing alright?  <response>: I cant recommend waiting until after you are married to buy enough. I also cant recommend renting together before you buy enough. This is primarily life advice more than financial advice, but please consider it seriously. You really do not know someone until you live with them. Aside from that, it looks like neither of you have ever lived independently.My sister recommended a company that builds houses based off a variety of floor plans that allow you to customize the internals and we were happy with what they offered couldnt really find anything on the used market.Be very wary of these pre-fab things if thats what they are. Or any situation in which youre getting what appears to be a great deal in a market as transparent as residential real estate. If youre getting a significantly larger new home for the same price range as a new home and its in a better area. Does not pass the sniff test.Aside from that, you really dont want a large house as a young person.can basically only go upExcept if you lose your job and it goes to 0. You seem to have your head on straight, but this is completely the wrong attitude. This is exactly how people get into underwater mortgages and severe debt.We are in the process of adding me to her credit line, so my score should soon reflect hers. Thats not how it works. You still start at square one.In general, youre in good shape and assuming your estimates for prices are right and youre saving enough for retirement and have a sizable emergency fund, you can buy. 