<prompt> Human: Looked at the sidebar, didnt see this anywhere. The vast majority of how much house can you afford? calculators out there on the internet ask how much down payment you will make, what your annual income is, and what mortgage rate youll have. Thats it.My understanding is that buying a house is so so so much more than just calculating your mortgage payment and figuring out if thats less than a third of your income. Id love to see a widget that includes variables for closing costs how do you even calculate that?, property taxes does this vary by zip code?, HOA fees can you even reasonably find this info publicly, based on an address of a potential listing?, other stuff do most houses come with refrigerators, and if not, is that like a 2k expense I should plan for?. Plus moving vans, new furniture, inspections, repairs, etc...Is there a rough guideline out there? If the house I want is 250k, and my mortgage lender asks for 20 down, I get the feeling 50k isnt actually enough savings. But what is? 60k? 80k? 100k? Im mostly concerned about the first year downpayment, closing costs, buying furniture. Im quite capable of budgeting regular predictable expenses mortgage, property taxes, etc.Quick about me: Never bought a house before. Im on track to have a 3-6 month emergency fund 50k downpayment zero debt in 2020. Would like to know if buying a house in 2020 is realistic for me.Assistant: All of those expenses - taxes, HOA fees, appliances, etc vary not only from one zip to the next but from one house to the next. Its entirely up to you what furniture to buy and if you want to rent a van. Youll need to use specific numbers for the specific house youre looking at, so I dont know how you would find a rule of thumb or online calculator that would make those decisions for you. Once you know what you want to do, you can calculate the total first years cost with a spreadsheet.Human: Is there anywhere I can research what those numbers are so I can begin to make said spreadsheet?Assistant: for taxes and closing costs, try google? For everything else its up to you what you get - estimate furniture costs by going to a furniture store or website, estimate moving van costs through UHaul. That seems like too basic of an answer, but Im not sure what more youre looking for here. Human: A data-driven answer. Something along the lines of people spend, on average, X moving into their new home.Assistant: Something along the lines of people spend, on average, X moving into their new home.Thats completely useless. Some people arent going to spend anything on furniture because they brought all the furniture they needed from their apartment.Other people are going to spend 20,000, for whatever reason. So the average is 10,000. Thats meaningless.I mean, no one knows better than you whether you are planning on buying new furniture. How could they?Human: I dont want to know for sure. I want to be able to plan ahead two years in advance and ballpark some figures. I want to know if Im grossly oversaving or undersaving by tens of thousands of dollars. Im more frugal than most, so if the average is 10k, and I have 10k saved up, I can be confident Im well-prepared. Also, this isnt necessarily about me, I think many people on this sub would also like to be able to estimate closing costs and other first-year-of-home-ownership expenses.  <response>: Basically the best thing to do is itemize all the cost components of a new house purchase and make an excel spreadsheet or something. I dont think theres a calculator that has every single possible contingency you might run across. You can get estimates from google or other sites as you go. It will be cumbersome but at least youll have an idea. It gets very complicated because each individual house will have certain things others dont. Maybe one needs some work or remodeling, whereas another pricier one doesnt. You would need estimates for that too, then. Maybe just have a target home price in mind and tack on like 10 extra saved to be safe? 