A $3k mortgage would give us about $400-$900 leftover for savings, so using that to max out the Roth would leave 0-$500 for home repair. However, the $1200-1400 portion of our budget that’s more fluid goes towards unexpected expenses if needed. If something comes up, we reduce those nonessential expenses and put it towards whatever is needed. However, it is not being consistently put away for some large expense so as you’re pointing out we would need to put a chunk of that aside every month for home maintenance. I have read to expect 1% of home price per year for home maintenance. How much would you recommend?