Am I ready to buy a house? Disgusting details inside. Me, in a nutshell. 27, male, unmarried, no kids, live in girlfriend. Making right at a whopping $30k a year. Debt-right at $14k in student loans, and about $9k on a car, that's it. I have about $2k in cash savings, accrued mostly in the last 6 months. I have never bought a home before and will most likely qualify for first time homebuyers incentives if the house meets the criteria. Monthly debt $250 car payment, $130 insurance, $50 cell phone, student loans in forbearance. No credit cards or other accounts. Houses in my immediate town are pretty well out of the question. I'd be looking at $100k to open a door. I'll be looking outside the city limits, where, for example, $65k will get me a house and 13 acres.

Am I ready to buy a house? Disgusting details inside. Me, in a nutshell. 27, male, unmarried, no kids, live in girlfriend. Making right at a whopping $30k a year. Debt-right at $14k in student loans, and about $9k on a car, that's it. I have about $2k in cash savings, accrued mostly in the last 6 months. I have never bought a home before and will most likely qualify for first time homebuyers incentives if the house meets the criteria. Monthly debt $250 car payment, $130 insurance, $50 cell phone, student loans in forbearance. No credit cards or other accounts. Houses in my immediate town are pretty well out of the question. I'd be looking at $100k to open a door. I'll be looking outside the city limits, where, for example, $65k will get me a house and 13 acres.