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Experts suggest having an emergency fund ready for unexpected repairs like a broken water heater or roof damage.

Ask for a year's worth of bills to understand seasonal fluctuations in heating and cooling. 3. Questions for the Real Estate Agent

Go beyond the purchase price to include property taxes, insurance, and Homeowners Association (HOA) fees .

Understanding the full cost of ownership prevents "house poor" scenarios.

Before looking at listings, define your long-term goals and non-negotiables.