Purchase, down-payment and closing costs
Budget separately for the down payment, transaction and loan costs, taxes, insurance, repairs and ongoing maintenance.
Upfront
Separate the deposit/down payment from brokerage, loan, registration, tax, inspection and insurance amounts. Get written estimates.
After handover
Allow for property tax, condominium charges where relevant, insurance, repairs and a maintenance reserve.
This is not an individual qualification or approval result, or tax, legal or investment advice. Verify current terms with authorities and lenders.