Wow. I can only say this: if you are not being forced out of your home, and you have a good relationship with your parents... stay put and stash money away in a savings account. Then when the day comes that either you A) can't stand to live at home with your parents anymore without wanting to kill them or B) you are able to make a hefty downpayment on a home with a loan NOT cosigned.

Let me tell you the joys of home ownership as experienced by me:
1) leaky basement that backs up with the seasons with poo because the leaves and snow block the sewer and the township's poo end up in MY basement. No, the township is NOT responsible for cleanup nor do they help offset the cost of repair.
2) cracked cement pavement... the township doesn't fix them, we do. Only if we DO start to fix them, the township has a new little law where we have to rip them all up copletely (instead of patching) to the tune of something I don't even want to consider.
3) bathroom with a leak problem between the boards costing an estimated $10,000 to repair. Due to our finacial state right no we'll take our chances and hope nobody is standing in the tub when it falls through the floor.

thats just the biggies. I won't even go into the small things that every home owner has as every day repair and maintence work.

A lot of people toss on a new coat of paint and some cheap carpet to hide the real issues (like leaks and cracked foundations) to make people think the house is really well maintained. Don't fall for it. If you can't afford it on your own, you won't be able to handle any real issues that arise.

Just keeping up with the lawn can kill you. Lawn mowers, weed wackers, trimmers, hedgers, weed killers, etc cost us a small fortune every summer. What kind of shape are the gutters in? It isn't cheap to replace them, but without good gutters, you're going ot have other problems around the house.

I could go on and on. I LOVE my house, but sometimes I would love to have a landlord to hand over the problems to. My neighbor rents next door and their porch litterally collapsed last fall. $8,000 to fix it. The bricks inside the chimney started to come loose -- $3,000 to line the chimney with steel. Their landlord has to pay. Lucky them.