I’d keep the emergency fund separate first, then reserve money for inspection findings, moving and the first mortgage payment. Furniture would come last; a 1-bed can be furnished gradually. Also confirm whether your estimate includes the initial service charge and enough cash to cover any...
Are the two figures genuinely comparable—same rental period, furnishing, utilities, building condition and location within Nairobi? Also, what does the existing tenancy agreement say about reviews and notice? Those details should be settled before choosing an amount, alongside confirmation of...