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36k annual income ... thats not going to get you far at all here in the states.
Your best plan is to rent. You do not have the money to have a home at this time. Even without a mortgage payment if you blew $500k on the house the upkeep, taxes, utilities would far outweigh the $3k. If your $3k is your top end revenue, plan on loosing 50% over time with a downturn ... then you are truly hosed.
Rent a place and work towards a MINIMUM of $6k a month post taxes ... bank the interest on the 500k for a few years.
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