<prompt> Human: I am currently looking to buy a house in roughly 1 year. Been doing a lot of research but figured Id get some insite from you guys. I am currently making 40k a year. I do expect a raise soon somewhere between 5-10k raise. I have been working at this job for almost one year now. I have a rough credit score of 620 the calculators put me at about 670 by the time Im ready for the house. My current expenses are as follows. Housing - 0 live at homeTruck - 604 20k left Diesel - 400 Food - 300-400 I plan on bringing my lunches from now on Tolls - 200 Misc - 300 I am currently looking at a home that is worth 250k brand 4bd 3.5bath new being built. And having 1-2 room mates. Is this fiesable. Any idea what monthly payments would look like? Any advise on what I should save to prep for it? Thanks in advance, I look forward to your responses. Edit: additional infoThe other option I have is moving jobs which would about double my pay but I am currently getting experience in my field before I make a switch.  <response>: Thats about 3x too much house for you. You should never buy a home if you cant afford it without roommates. Im not sure anyone would loan you 250k on 40k in income either. 