You are to be commended for having reasonable credit scores on limited incomes, but neither of you can afford to buy a house on your own. I'm a little bit clueless why you would commit to 30 years of house payments together, but won't commit to marriage. My best advice is to continue renting. You might be thinking you could buy and pay less than if you rent. That might be true if you could get financing that gets you into the house for very little down. The payments might be less than you are paying in rent, but that is a far cry from the true expense of home ownership. You are not in a financial position individually, and probably not even together, to consider home ownership. That's my personal opinion, as well as my best professional advice.