Buying the home is only part of the budget.
You also need to think about what happens after closing.
Furniture can wait.
Cosmetic upgrades can wait.
Big purchases on credit should be handled carefully, especially before closing.
And your emergency fund should not disappear just because the house needs a few things.
I always tell buyers:
Live in the home first.
Figure out what you actually use.
See what the house really needs.
Negotiate what you can before closing.
Buy the essentials first.
Protect your cash flow.
A smart mortgage plan includes cash left over, not just enough cash to close.
Save this for later.
Send it to a first-time buyer who is already building a shopping list.
— Richard Sarey, your go-to mortgage broker in Frisco Texas
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