(1) If you don't have enough money for a down payment, then you shouldn't buy a house, and (2) you don't have enough money right now to make a down payment. Besides, (3) buying a house right now is not a good investment decision. So I think it should be clear: (4) You really shouldn't buy a house right now. 1 + 2 3 4. 2 3 1 3 2 4 3 2. 4 1