Furnished: 86,633 Simoleons
Unfurnished: 46,330 Simoleons
I have used some stuff from the EA Store, both free and buy, and if you don't have them in your game they will be replaced with similar stuff you have in your game.
EP:s - World Adventures, Ambitions, Late Night, Generations, Pets, Supernatural, Seasons, University, Island Paradise, Into the Future
SP:s - High End Loft, Fast Lane, Outdoor Living, Town Life, Master Suite