if you cant afford it dont buy anywhere.........owning a home is more costly than most think.......appliances go bad, roof leaks, pipes freeze, so on and so on.....i bought my house just right after i turned 20....im 22 now going on 23 and it has been a stress factor from day one cause shit happens.....im glad i bought it but sometimes it would have been way easier to rent, would have more play money too......think about it first dont make a decision you will regret......