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That sounds coherent. Before submitting, ask what the seller values besides price—speed, certainty or a particular completion date—even with the building vacant. You could also decide your response to three likely outcomes now: rejection, counteroffer or acceptance without repair concessions...

Before dividing it, have you included the first mortgage payment, service charges and the insurance excess in your cash-flow estimate? Also, does “moving” include utility setup and any overlap with your current housing? C$21,600 can look comfortable until several known payments land together.