On board with the others in saying make sure you are in a descent financial position to afford a gaming PC in cash with all basic needs met. That said my background in computer building can give you some options to lower cost.

First off a gaming PC is not a good description. What game do o you need it to run and at what frame rate. A good entry level option is build one with AMD integrated graphics. These typically can be on par with gaming consoles. Second build it yourself and do it in stages. Read the manuals on the motherboard before buying it and watch some PC building YouTube videos. It is really like putting together Legos.

First pick a processor with integrated graphics something like a AMD 5500G can be had for $120. AM4 motherboard to go with it run like $65 then ram power supply then SSD. Run Linux and install steam for free instead of windows and put it in a cardboard box. Be less than $400. Then as save up more cash buy/install windows, get a PC case, and finally a proper GPU for what your looking to run. Would also not rule out doing low bids on eBay for used stuff. If work hard enough you can get to where you want but never substitute a need for a want.