Well, I went to get pre-approval for a mortgage loan today. I'm pretty sure my bank account will be run dry if I put down 5%. My bank doesn't do the standard 3.5% minimum. It's either 3% (with PMI), 5% (no PMI), or 20% (no PMI). Those are the only 3 numbers they do, which is absurd. I want to put down 3.5%, or at least 4% at most.

I have to get this all figured out by January 2019, because that's when I have to renew my lease at my apartment complex.

I might have to go through some other bank or something. I can't do 5%. I'll have literally $3000 left in the bank after all *required* fees are paid. That doesn't include a lawyer and then I have to buy appliances and additional furniture, as well as food. $3000 isn't going to cut it. But if I could do 3.5%, then I'm ok.

S***. I'm not sure if I should just do the 3% and pay PMI. Not a happy ending to today.