Very vague picture of my finances -

I am on a fixed income that mostly meets my bills. My fiancee makes enough to cover hers, and save a bit, between the two of us.

I have a few thousand in cash savings I'd rather never touch, some of it in CD's.

Student debt in the ballpark of 40k, might be reduced to almost nothing if some paperwork processes.

And finally a little over 20k in a managed 401k that's going to be put almost entirely towards purchasing a home, pending inspection. As part of my benefits package that account gets about 5k/year combined.

My financial goal for the year is to buy and live in the house without completely destroying my savings. If we manage to do that I'll call it a resounding success.

My question at the moment is if it's worth it to try and get a little extra on the mortgage to do some non-trivial repairs/upgrades (Fix a bathroom with moisture-control issues, level the entryway, replace a god-awful carpet and carpet-pad) or get the place bought first and then look for other forms of financing for home improvement.

Also, if i'm redoing a bathroom, do I really need to start at $10,000 and work upwards from there for budgeting? I don't want to fuss with a tub, just tile the whole room from top to bottom so I can hose and squeegee it down.