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Before deciding, map the first two months by date rather than category: closing outflows, moving day, insurance, first mortgage payment and any overlap with your current housing costs. Timing matters when several affordable amounts land close together.

For apartments, service charges can certainly change what a buyer can afford each month, but I wouldn’t separate them from condition. A lower-priced flat with substantial charges and looming maintenance is a different proposition from a renovated one with predictable costs. Compare apartments...