16. Be prepared for incidental costs
Unless you already own a lawn mower and your home comes with every appliance you'll need, chances are you'll be visiting the home improvement store after closing. Make sure to budget for what you need ahead of time so you don't find yourself in added debt when you need to wash your clothes. Likewise, talk with your Realtor about the possibility of negotiating appliances into the deal. Sellers are sometimes happy to leave items so they don't have to be moved. And, if you do need to make large purchases using credit, wait until after your loan has closed so you don't affect your debt-to-income ratio.