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If I were you, I wouldnt add a girlfriends income to your income, unless your 100% confident things arent going to change. 2500 would be a challenge to own a home, but for a low enough price I guess you could. Car payments and insurance on top of that would suck though.
From what Ive heard you need like 10% of the home for down payment to get decent rates, but I live in a apt, so i dont know a whole lot about that.
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