When we were first-time buyers in SD 1996, we did not have a maintenance fund (nor 5K allocated thereto), nor did we spend 10K on moving expenses and furnishings. We borrowed some friends and their pick-ups to do the moving. Net cost: about $30 in pizza and Beer.
My point is that you should ignore those two items, because (rightly or wrongly) the typical first-time buyer will ignore these as well.
