You’re not overthinking it, but don’t assign every dollar to a category before you have evidence. Get the inspection, ask for rough costs on the important findings, confirm when the first mortgage payment is due, and obtain a realistic moving quote. Keep the emergency portion separate from the...
A practical sequence: wait for the inspection, list only essential repairs, confirm every payment due in the first few months, and obtain realistic moving and minimal-furniture prices. Subtract those from MX$558,000 without touching the emergency amount you decide must remain. If the result...