<prompt> Human: Here is some info: Im 27, bring home about 2800-3000 a month. Have about 3k in credit card debt. I try to give 300 a month towards that, but it could be less thats definitely not minimum on it. My only other payments are cell phone100 Truck550 and insurance115 a month. Also I have about 45k in a 401k Ive been loading up since I was 21. I guess all in all is this task feasible?  <response>: Rule of thumb: if you dont have the downpayment, you cant afford the house. 