What steps help buyers pressure-test homebuying financial numbers?

To pressure-test your homebuying numbers, estimate total upfront costs including earnest money, due diligence fees, inspection repairs, and closing costs. Compare your budget against monthly mortgage payments including taxes and insurance. Include potential appraisal gaps and maintenance expenses. Run these numbers with your lender and agent before signing. This ensures you can comfortably afford the purchase without surprises or overextension, protecting your financial health.