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I’m comparing a 540 sq ft townhouse with a similarly priced country home in Phoenix. The townhouse appears easier to maintain, while the country home offers more control but could bring larger, less predictable repair bills. My budget model covers insurance, energy use, maintenance, vacancy...

A practical decision rule might help: first confirm every cash payment through closing and the date of the first mortgage payment; then price the move and urgent inspection work; finally ring-fence enough for the insurance deductible and a broader emergency. If the remainder makes you...