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That the purchase budget does not end at closing. A repair reserve matters even when the inspection findings look manageable, because several small jobs can compete with moving costs at once. I’d also ask: during your final document week, was the delay mainly with the lender, the other parties...

Make one list by timing rather than category: money due before getting the keys, work required immediately, expenses likely within the first year, and optional purchases. Then keep the emergency fund separate from all four. That prevents a sofa or a non-urgent inspection recommendation from...