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Fair point. The practical next step is a simple list with three columns: amount known, amount estimated and timing. Put the mortgage payment, service charges, insurance excess and moving costs at the top. Then have the inspector clarify which findings need action now, within the first year, or...

I’d work backwards rather than divide the $41,000 evenly. First ring-fence several months of mortgage, service charges and essential living costs. Add the insurance excess and confirm when the first mortgage payment is due. Then budget moving and only the inspection items that affect safety...