<prompt> Human: The basics:Income- 60KMonthly Bills:Rent- 900Utilities- 180Renters Insurance- 15Cell- 60Car loan- 200 owe 6k more on my car, 2APYCar insurance- 130Student Loan- 50 3k. Payments not due interest doesnt accrue until next year.Childcare- 530 I know this is a huge expense, but I need before afterschool care for my child due to work. FSA helps401K Roth- 300Food- 250Fun Spending- 100Im looking at a townhouse or condo in the 100-130K range. I have 13K I can put down. My credit is pretty good. My worry is buying a home with a single income and whether I can afford to do this. Id love to ask my parents for advice, but they have never bought a home and are generally terrible with money. Im a bit terrified of dealing with a mortgage lender and realtor. Thanks for taking a look!  <response>: A few things from my experience this last year-The realtor works for you, so if they arent doing something to your standards or are uncomfortable with anything, let them know or find a new one. Mine was awesome, I feel like I got lucky.A preapproval for a loan is not a guarantee of funding, my credit union backed out two days after the seller agreed to my price, which geared my up for a bad week of finding a new back that would accept an almost done deal.Try your best to get 20 down to skip the PMI, and it will help you avoid other bad scenarios. Banks feel better about 20 down.When shopping for lenders, you get a thirty-day grace period where all pulls on your credit act like one. Get a bunch of interested parties and apply all within that time frame. Anything outside that grace period really knocks your score, and therefore your credit-worthiness, so finding your lender in a good time frame is important.I would square up my debt to income ratio, build up a down payment, and dont touch your credit score cc applications and the like for at least six months to a year before you want to shop mortgage vendors. Most realtors want a preapproval in hand before they take you to homes, so they know they arent wasting everyones time. 