<human>: Hi r/relationships,

My girlfriend and I (who have been together for 3+ years) are thinking about buying a house together next summer. She still lives with her parents while I have an apartment of my own. Because she has no car, no rent, and the only expense being her cell phone, so she has been able to save much more than me for a down-payment. I have lived on my own for the last five years, and while I do make good money at my job, my ability to save is vastly outpaced by hers. I do have a small nest egg, but she has about 10 times as much as me.

Of course, I always assume we would be splitting all the bills evenly, but she recently brought it up that since she would be  making the majority (or entirety) of the down-payment, that she should be applying for the mortgage totally independently, in case "anything happens between us."

This is strange because we have both discussed our plans for marriage and children and I thought our relationship had a high degree of commitment.

Now, part of me is afraid I would be giving up my *home* (the apartment that I absolutely love) in order to live in *her house*, where I would essentially renting from her. However I am trying to see both sides of the issue, so I asked if we could draft up some sort of addendum that reflects our own individual contributions to the down-payment, as well as any mortgage payments, that way we can do this together. She thought that was a stupid idea (which, maybe it is). I then talked about maybe *renting* a place together, or even buying a place where I could make up half the down-payment. She shot down both of those options,  saying that she doesn't want to rent or live in a condo.

I'm a little worried about this, but I would like a neutral opinion. Am I getting bent outta shape about some ink in some bankers office?

Can you give me the gist of the text in a nutshell?
<bot>: Girlfriend has more savings than I do, doesn't want me on the mortgage because our down-payment wouldn't be a 50/50 split.