Joe ... honestly, not to diss you or anything, but tap water is generally not recommended for use in an aquarium. Depending on what kind of tap water you get in your area, there could be several harmful elements in it that will not get removed even with a water conditioner. The water conditioner will only remove chlorines and chloramines. Other elements, like traces of copper, phosphates, nitrATES etc will not get removed and will thus go into your tank, causing havoc. Not only will it be harmful to the livestock, but you'll probably see lots of bad algae growth due to it.
You could use tap water, though only for the initial fillup. Once that is done, I'd stay away from tap water.
You have a few options without the need for a RO unit. You could look into getting bottled water, although depending on where you get it from and the brand you get, that could be harmful too. For example, mineral water is BAD! The other option is buying water from your LFS. An LFS will usually sell you RO/DI water. I get mine for $1 a gal at my LFS. Trust me, even though it will be an added expense, it will save you lots of trouble and potential problems with the more expensive setup which is your tank and the livestock in it.
So, at least until you can buy an RO unit, I would certainly look into the other two options for the sake of the health of the tank.
Lastly, I'm in no way totally eliminating the possibility that your tap water could be absolutely free of the harmful elements ... its just that that a very very rare case.
Regards,
Yash