I’d set aside the emergency fund first and treat it as unavailable. Next, list moving costs, the first mortgage payment, service charges and the full insurance excess. The remainder is the repair budget; furniture comes last unless something is genuinely essential.
Does the inspection...
My first suspicion would be a mix change, not a market turn. A 29-day figure can move sharply if only a few suitable mixed-use buildings were listed or sold. The 2.3% gap also needs a consistent definition: original asking price, latest asking price, or the price shown just before agreement...