When purchasing a home, the cost of furniture is typically not included in the mortgage. However, it is possible for the buyer to negotiate the purchase of certain furniture items along with the home, separate from the mortgage. This is often done by including the furniture in a contract addendum, which is a separate agreement between the buyer and seller. The buyer can make an offer on the home and include the value of the furniture they wish to purchase. The seller can then accept this offer, counter with a different amount, or decline. If both parties agree on the purchase of furniture, it is important to clearly outline which items are included in the sale to avoid any confusion.
It is also important to note that while furniture is not typically included in the purchase of a home, fixtures such as cabinets, wall-to-wall carpeting, and ceiling fans are generally included in the sale. These items are considered to be attached to the property and therefore are typically included in the home purchase. However, personal property items that are not attached to the home, such as rugs, outdoor furniture, and curtains, are not typically included in the sale and are instead taken by the home seller when they leave. It is possible for the buyer to negotiate the purchase of these items separately, but it is not typically included in the home mortgage.