Credit is funny, when I was trying to buy a house I had to increase my credit card spending limit to improve my credit rating. I've heard of people rolling a car purchase in to a home loan too. That might be from before the banking meltdown, I'm not sure if its possible today (or a good idea to pay for a car over 30 years). My point being sometimes its not obvious what helps and what hurts so talk to your loan officer about it. The absolute worst thing that can happen is you learn that you can't get an auto loan as soon as you think. But its better to learn that now instead of when you try to buy. Best case you find a way to finance and afford both. What ever happens make sure you are comfortable with the terms and payments because the banks are always looking at their own interests and that doesn't always equal a loan payment that you can afford. I could have financed several homes that I couldn't really afford and if I did I would have defaulted or at least be very very deep under water in a house I don't really like (around here $500,000 bought a steaming pile back in 2005).