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I'd rather ask now than guess later. After the deposit and estimated closing costs, I'd have roughly €24,840 left when buying a 1-bed country home in Rotterdam for around €1,270,000. The inspection may uncover ordinary first-year work. How would you divide that buffer among emergency savings...

Completion did not stop the bills. The real concern was having too little cash left when several ordinary costs arrived together after my first country-home purchase in Rotterdam. The paperwork also taught me to keep one dated checklist. Each item should show who is responsible, when it is due...