<human>: Could you distill the essence of the text into 1-3 sentences?

I just turned 30 and owning a home has been something I've worked towards since I got out of college. I have no student debt (FINALLY), own my car and just paid off my credit card. My credit was so-so (thanks student loans), but I've worked on bringing it up the past two years. In short, I'm ready. 

My boyfriend ("Ben") has done none of these things....and that's completely his choice. He still has over 20k in student loan debt, minimal credit card history, and a low credit score. His job is also tip based so on loan paperwork, it doesn't look so great. Those are the rational reasons. The emotional reason is that I simply don't want to buy a home WITH him at this point. We've been dating two years, have had no marriage discussions (besides both not being ready) and legally I don't see any reason he needs to be on the deed. I've saved up the down payment and have the backup money for all the extra expenses.

Last night he said he's really looking forward to owning a home. It's something he's always wanted to do and he's trying to save up to help with the down payment.... Up until this point, I'd assumed he understood I would be doing this solo, which was a stupid assumption to make. I need to sit down and talk to him about this but not in a "I don't trust you" or "you don't have your shit together" sort of way. I would obviously be open to adding him onto it in the future if our relationship went that route, but not right now. We live in an expensive area of the country, so he would still save money on rent (I wouldn't say that to him...). 

How do I gently explain this to him without hurting his feelings or making him feel insulted? 

Thanks everyone.
<bot>: I'm ready to buy a house and am happy to have Ben be a part of it, but not on the legal paperwork.