It can happen. Today's homes for sale can make your mouth water. But smart buyers keep their wish list under control. Try to avoid committing every last penny toward your monthly payment. Remember to set aside a reserve for home improvements, repairs, maintenance, furnishings (new buyers spend eight times the average in their first year of ownership). Keeping some cash and credit aside for emergencies is prudent. That way your home purchase is most likely to be a big hit -- not a money pit.
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