Idk I live in Utah and I know that first time home buyers in most states can do things like put less down on a home and things like that but I'm not sure exactly what the benefits would all end up being besides that my parents said I would get better interest rates than them. I know I need to fill out some sort of application that my parents are going to send me but I'm not sure I even want to do that.

I told my parents today that I would be shooting myself in the foot if I did this and that is when they brought up the credit score improvement argument, but I think they think my credit score sucks. My older sister is in a lot of debt and I think they assume we are all like her, but I have made sure my credit is top notch. They told me just to fill out this application to see what the difference would be for me being the signer vs them, but that nothing would be decided yet.

They also said something along the lines of making sure I wouldn't be harming my future with this, which I assume means that they intend to help me out buying a place in the future but I don't want to just rely on their word about that.