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Can I Use My Student Loan to Buy a Home? | Money Girl – Jul 31, 2014 · In addition to having enough cash for a house down payment, you also need an emergency fund equal to at least 3 to 6 months’ worth of your living expenses. Never use your emergency fund for a down payment. Otherwise you won’t have a financial cushion to fall back on if you lose your job, become unable to work, or have a large unexpected expense.
