I make that much and have a mortgage. The hardest part was saving for the down payment.

I’m a single parent.I got my house before I asked for child support and can survive without it. My house is a single level 3 bedroom, 1,75 bath(there’s a shower in the second bathroom), but the bedrooms are small. I bought my house went interest rates were at record lows though.

Edit: I also took advantage of an FHA loan. If your credit is above, I believe, 680 you only put 3.5% down.

Edit 2: my house was 145k when I bought it but has recently appraised for 210k. I started my mortgage in 2020. Also here’s my rate. I want to be clear, if you can’t afford a house right now on 50k it’s not you, it’s the current inflation. Don’t give up. Getting a mortgage helped stable me. I would be struggling more if I was paying rent on a place this size. If you need to wait, just start saving money now. It has to sit in your account for at least 8 weeks iirc before you can use it as a down payment.