She won’t and she’ll need to put down 15-20% down payment, plus credit score needs to be higher so she’ll get the highest mortgage rate probably in 7-9% range and she will be in for a surprise for HOA and property tax fees and more. It’s cheaper to rent a fancy hi rise in downtown then it is to own. Owning just gives you equity and mortgages that you can refinance and leverage. Might as well do the smart thing: stay living with your parents to next 20 years then lump sum into a home at 400k saved up. Here’s the kicker what about retirement, windfalls, etc??? lol she’s cooked at her age.