I'd echo nybirdman's comments. If you have a yard to mow, get a dedicated lawn mower. If you are mowing pastures, fields etc. you'll need something heavier. With a dedicated lawn mower you can forgo the finish mower on your tractor and save $1,000 to $2,500 right up front. Used lawn mowers with lots of life in them can be purchased pretty reasonably (got my Husqvarna 54" for under $900 at an auction).
I've had an old 9N for 22 years and did everything with it, got an 8N about 6 yrs ago so I wouldn't have to swap implements so much. The 9N is now just a manure spreader tractor, the 8N did everything else, blade work, snow plowing, brush hog mowing and general pulling chores. But recently we decided that a FEL (front end loader) and a more modern and more reliable tractor would be good and useful thing to have, long story short, bought a Mahindra eMax 22 with a FEL, quick hitch and rear blade. The eMax can get into the barn to help with manure loading and is still stout enough to handle moving composted manure piles, dirt and gravel, firewood and all those things a FEL is good for. Will be getting a 3 point hitch mounted finish mower for it for late season pasture mowing (dealer wanted over $2,000 for a mid mount mower, can do better with a used 3 pt one). Oh, and for the lawn areas have an old MTD built Huskee 46" mower and a Husqvarna LGT2554 54" mower with a snow blade, so covered there and have a back up should one go down. Also have a Cub Cadet 86 that my MIL gave me with a 42" deck but it needs an exhaust valve so that's the ultimate back up and can do some ground engaging work (plowing, tilling, etc.) too when it's fixed. I expect the Huskee is not long for this world, it's 12 yrs. old, older than any MTD machine should be and still function!
I know finance is an issue with used tractors, but you might look there for a good value, dealers seem to have lots of them available and might do financing. I'd been looking for the last couple of years at used ones and tractors with loaders in the over 40 hp class seem to be good buys. Too big for us as we thought about it more but something to consider. Even was looking at used back hoes that probably would have been a pain to maintain for a contractor but might have life in them for less stressfull residential uses. We only considered new when we priced the SCUTS (hmm, we can probably afford to consider that!) and the wife liked the 5 yr. warranty on the Mahindras.