[jims69camaro]

damn straight. most banks want 20% down on a mortgage. now, of course, you can arrive at that number however you want, whether it's instant equity supplied by the seller or if it's cold hard cash supplied by you. that's a whole 'nother ballpark than what you're in right now.

i would suggest staying put. get your gf into a cheap apartment and force her to save, too, if she'll be the one going into the house with you.

there are many unseen expenses when buying your first home, too. security deposits for the utilities, homeowner's insurance, taxes, etc. you'll need cash whether you strike an appropriate deal with the seller or not.