u/KindWatercress5675

I recently got a job with an $85,000 salary, with the possibility of earning an additional $10,000, although that income is not guaranteed. I’m wondering whether buying a house with a 5% down payment would be a better financial decision than renting. it is a 340k house. For comparison, the rent for a good three-bedroom house in Kansas City and nearby neighborhoods is around $2,200 per month.

it is a new house (2026) and I liked it too much

Married and we have 3 kids (9,6 and 1years old) - wife is not employed

credit score +700

no other dept

I have another 25k for emergency