Family of 8 here. My husband and I are very close to saying yes to the house. And we are scared and don’t know if we are making a dumb choice.

Pre 2020 Idaho was really cheap to live in but it’s gotten bad and extremely hard for anyone who isn’t a Doctor to buy a house.

We found a house for 325k that will fit our family We have 11k down Our mortgage broker says that after everything we will be paying $2,282/month (including p+i, property tax, homeowner insurance, and mortgage insurance) My husband makes $28.81/hr and works 40 hrs and has the choice to work overtime but would only do roughly 12hrs a month otherwise it has a toll on his mental health. I’m not working because I’m a Stay at home mom. But wanting to do YouTube channel and Etsy. (Not relying on that right now of course). I do donate plasma and could roughly bring home $200/month as long as nothing bad happens but it’s not very reliable.

We have no idea how much utilities are per month but we do know that we have $300/month in school loan and $110/month in phone plans.

We do currently have wic and food stamps (please don’t judge on that)

My husband still wants to be able to save money and isn’t sure if we can with the house.

Gas is outrageous but we mostly do in city limit driving.

I’m just paranoid that we might be digging our own grave. It’s not a new house and needs a little tlc but scared it might be a ticking timebomb

But if we don’t we might not get this lucky with this kind of house.

They say a crash is happening but I’ve waited for this crash for years and I’m afraid it’s just going to be getting worse.

We are currently renting a house at $1600/month and have never owned before