If you are persistent you'll find a lender willing to get you into a high interest loan that will ensure your misery level will increase. Others are giving you very good advice in urging you pass on this purchase. I'd limit myself to paying for a roof over the family's heads, (one you can actually afford, be it an apartment, whatever) food and gas to get you to work in a cheap car. You may need to cut your losses, dump stuff you can't afford, but it will soon begin paying off. Sorry to be preachy, but you need to make changes.