I have been forced to live with my parents for the last 3 years. I got married over 4 years ago and after moving often for work. My wife and I thought we had enough saved up to purchase a home. After shopping for homes and picking one we wanted we talked to the preferred lender with the builders and because I had claimed so little on my personal taxes after working a sales job I was refused to purchase a home. I didn't have the capital to bring the loan amount down any further. A 20% down payment I have to chalk up 100,000 at least for a single family home anywhere in Utah that would be close to mine and my wife's place of work and school. It's been incredibly difficult to raise our son with my parents and be forced to not buy a house.