I have been looking at some Lofts in down town salt lake city utah. I currently am making 33,600 a year. I have a 06 audi that is paid off, I don’t have a cell phone payment or health/car insurance (my parents hook that up) So my bills are basically Rent, food, gas, and entertainment. My paychecks are usually a little over a thousand every 2 weeks. The place that I am interested in was listed for 238,000 and then they just dropped the price to 198.850. My question is how low of an offer do you think i can make? My parents are giving me a down payment of 80,000 do you think that i could get it at 175,000 or 180,000? This way I will only have to borrow 100,000 and my payments will be (i think) affordable. The HOA on the building is 160 a month that includes water, internet, cable, covered parking, building insurance, and geothermal (some system where they take the earth heat to heat and cool the building so no heat or air conditioning bill) With all of this said do you think i can afford to buy a place? I will be commuting about 90 miles a day so i will be going through alot of gas my car does get 30mpg though.