As the first postsocialist generations was going on their own in Warsaw, Poland, since 2000s, and among the middle-classes, the focus on lifestyle, consumption, and educational achievement gave way to a new passion—real estate. The global trends of rising wealth inequalities and the financialization of housing, combined with the local housing crunch, has made homeownership a challenging and fraught project for those starting new households. This paper uses ethnographic research to investigate practices of householding among first-time mortgagors against the background of emerging postsocialist housing imaginaries, which tie housing assets to visions of current and future good life. The mortgaged apartment becomes overdetermined as not only shelter, but status object, passive-income investment, source of asset-based welfare, and future gift or inheritance. Despite the purported individualization built into mortgage contracts, we show how mortgage debt in the name of young household members is attached to, embedded in, and cared for in broader kinship networks. This way intergenerational family moralities and practices of relational accounting are revealed as a central and overlooked aspect of mortgage finance. Focusing on the relationship between mortgages, families, and financialization, we analyse how the classed experience of unequal housing trajectories in the past and the present shapes expectations of and decisions about the future. The paper is based on ethnographic research in 28 young family households in Warsaw and on interviews with 18 parents supporting their adult children’s pursuit of homeownership.