When buying a home, there often situations when the buyer wants certain items that are personal property to stay with the home. The most common being appliances, but sometimes you also see: riding mowers, furniture and hot tubs. Lenders can be touchy about how this is handled. Basic appliances being part of a real estate contract aren’t a problem, so I wouldn’t hesitate to include the refrigerator or stove as part of the contract.
When adding other items of value, you are likely to cause a problem. The lender doesn’t like to make a loan on personal property, and when you include items of value in the deal, they assume you are paying more to cover the value of the item. So, instead of including any other items of value as part of the real estate transaction, you simply write up a bill of sale for personal property. This is a simple document independent to the real estate contract.