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OP to be honest you are definitely not ready to buy a home. Even if you can swing another $200 for a mortgage don't forget about all other costs like utilities and property taxes (if you have those) because things seriously add up each month.
Don't buy a house with someone who has bad credit. And she's only 21. What are you guys going to do about the house when/if you guys break up? How are you guys going to split it? Like I said you're not ready. Get rid of the car and pay off your debts.
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