<human>: Throwaway because I don't want my redditor friends to know all of this. 

I'm 25 years old, and make 40K a year. I have 0 debts, own two cars, no credit card debt, and I do have a 6 month EF. 

Investment - 

ROTH IRA = $30K - All in S&P Index Fund

I need to choose between buying my first house vs. maxing out my company's ROTH 401K plan, which comes with a 50% match. I'm in a unique position to buy a house. In my case, my mom would purchase the house with cash, and I would pay her back at a rate considerably less than a traditional mortgage. 

Buying a house is my goal. It is what I want to do. But since this is a big decision, I want to see all the input I can get before I decide what to do. I plan on continuing to contribute the maximum to my ROTH IRA which is currently $5500 per year. I also expect to pay around $1000 a month on a mortgage, not including property taxes which would equal ~$3000 additional a year. So there goes 20K per year. Leaving me with 20K for home maintenance, bills, and then every other normal expense that doesn't relate to owning a home. 

That amount of money is plenty for me to live on, I'm single and my area is fairly inexpensive. The problem is that it won't allow me to max out my company-matched investments. I HATE renting because I feel like I'm throwing too much money down the drain paying to rent when I could be paying to own. I know I'm fairly young, I'm hoping for guidance, and things I'm overlooking.

Can you summarize the given text in a few sentences?
<bot>: Should I wait to buy a home and max out my company retirement, or buy a home and only max out my ROTH IRA.