The problem isn't having those things happen it's being in a financial position to have them happen and be unaffected by them. You'll need a substantial amount more than your down payment to go into home ownership and have it work.
Like I said you need the down payment.
You need a normal emergency fund of 6 months living expenses minimum.
You need a fund to furnish your house and repair it a needed. I would not count your normal emergency fund for this it should be separate.
It may take several years to build this up but it's buying a home the right way. Do it the wrong way and in the end it's probably back to renting anyway after the foreclosure.
If the down payment is $10,000 I'd be looking to have at least $30,000 in the bank before even trying at it.
