I expect to pay ~15k to add insulation and fix the bathroom, but included that in the mortgage. They estimate that doing that will already increase the house's value by 11k, so pretty good deal. Unfortunately there is a chance the ground floor might need to be replaced to be able to insulate it, let's hope not (it's a wooden floor without crawlspace). Let's hope there's enough room underneath, though if it needs to be replaced I can get floor heating I suppose which is nice.
What I do find ridiculous is that this is on the low end of housing - it's old, not so big (though does have a garden), lacks maintenance, and the neighbourhood's not that great (though near the centre and it's still the Netherlands so it's not so bad). I have a decent income, above the median, no kids to support and no debt, yet still I can only afford this place using a special arrangement which gives a 20% discount (ánd the price is based on the taxation only, so no need to bid over that price to get it). The housing market is messed up.
Not to mention I'll be paying as much as I do for my small apartment now, which I got when I was making 1500 less per month. Apparently paying a high rent is fine, but with the same income you can't get a mortgage..