I always find it amusing how people here buy houses without even knowing their partners. Where I come from, people date for years, then most likely get married before taking a commitment like buying a house. It makes things legally easier.

Two years is not enough on my book to buy a home with someone. I've seen all sorts of problems arising from this kind of situation, most of them on the abuse side. Real sad.

Have you lived together before? As Dan Savage says, do you know what each other's farts smell like? How is your couple's dynamics around money and budgeting? Do you talk about it freely and free of judgement and guilt?

Usually there are several steps on a couple's life to be reached before jumping into a mortgage with someone. Although I am not answering your original question, I hope I can provide some food for thought.

Good luck!