As far as I know it cant be added in. Once you have some equity built up in your home, you could then do a cash out refinance and use those funds to pay off your other debts, although I wouldn't advise doing so, especially these days!

Most sellers I know that are desperate to sell are more willing to discuss lease options, although not many. They are usually financially strapped as it is and they end up selling their homes on short sales or in the worst case, foreclosure.

I think your better approach would be to find a part time job, to accumulate more money to pay down/pay off your debts before taking on the responsibilities involved with home ownership. There will always be homes to buy and if you buy when you are on firmer financial footing, it will be much more beneficial to you in the long run. Good luck!

Jody