I remember clearly moving into my first 1200 sq ft home when I was 25. This may not apply to you, but heres some things that applied to me over 16 years ago. I realized I didnt own much furniture, and certainly not enough for a single family home! I had not planned for additional expenses after I had moved in, the first shock was window coverings, I had to spend over 2k on blinds. The next was landscaping, my home was new and I soon found out how easy it is to drop 5-10k even on a very basic yard. As far as the purchase itself, I had 5% down payment saved, and the transaction itself was very smooth, it was the after move in shocks that got me! Hope this helps!