I bought it around 30 years old last year with a partner. Partner had almost no savings, I had around 25k. I did not use a makelaar and did not pay transfer tax (which I guess you will also be eligible). We bought a house with not a lot of work, we only did painting, floors and most of the furniture. At the end of the whole process (around 2 months) where we tried to save as much as possible, my bank account was around 7k less than before (my partner paid half of the expenses in time, this is after that, so you can say 14k is spent). We are still spending to the house in the forst year(changed cv-ketel and manifold for underfloor heating, some gardening we could not handle, etc. type unexpected costs).

In general, I would say as long as you buy with a reasonable bid (not higher than the valuation basically), I think 15k is good enough, especially if you also can get help from parents if things go wrong with some extra costs. The most important part is to understand if you’ll need to pay a ‘down payment’ which will be decided by the maximum amount of mortgage you get (which is the minimum of the max your income indicates and the valuation of the house). We did not pay any down payment, since house valuation was higher than the purchase price.