בסוף מצאנו דירה נוחה, ובעלת הבית הסכימה שנרכיב את הרהיטים לבד ונחלק את התשלומים.

Here בסוף means in the end, eventually, or finally.

Literally, סוף is end, and ב־ means in / at, so the phrase originally means something like at the end. In everyday Hebrew, though, בסוף is very commonly used the way English uses in the end or eventually.

So בסוף מצאנו... is a very natural way to say In the end, we found...

מצאנו is the past tense, first person plural form of למצוא (to find).

So:

• מצאתי = I found
• מצאת / מצאתָ = you found
• מצאנו = we found

The ending ־נו is a very common past-tense ending meaning we.

Because נוחה has to agree with דירה.

דירה is:

• singular
• feminine

So the adjective also has to be:

• singular
• feminine

That is why you get:

• דירה נוחה = a comfortable apartment

This also shows a basic Hebrew pattern: adjectives usually come after the noun they describe.

In this sentence, בעלת הבית means the landlady or the female owner of the place.

This is a construct phrase:

• בעלת = female owner of...
• הבית = the house / the home

So literally it is something like the owner of the house, but in context it often means the landlady.

A useful grammar point: the first word בעלת does not take ה־, because this is a construct chain. The whole phrase is definite because the second word is definite: הבית.

Because the subject changes.

הסכימה means she agreed, but נרכיב means we will assemble / we assemble.

So the structure is:

• she agreed
• that we would assemble the furniture

When Hebrew uses הסכים/הסכימה and the doer in the second action is different, it often uses ש־ + future-form verb:

• הסכימה שנרכיב = she agreed that we would assemble

If the same person were doing both actions, an infinitive with ל־ would be more natural:

• היא הסכימה להרכיב... = she agreed to assemble...

This is very normal in Hebrew.

The main verb is in the past:

• הסכימה = she agreed

But after ש־, Hebrew often uses a future-form verb to express what was going to happen, what was agreed, what someone wanted, expected, said, etc.

So:

• הסכימה שנרכיב does not mean simple future in the usual sense
• it means she agreed that we would assemble
• ונחלק means and that we would split

You can think of these future forms here as something like would / should / were to in English.

Because את marks a definite direct object.

In this sentence:

• את הרהיטים = the furniture
• את התשלומים = the payments

Both nouns are definite because they have ה־.

But דירה in מצאנו דירה נוחה is indefinite:

• a comfortable apartment not
• the comfortable apartment

So Hebrew does not use את there.

A good rule of thumb:

• את
  • definite direct object
• no את with an indefinite direct object

Here לבד means alone, by ourselves, or on our own.

So:

• שנרכיב את הרהיטים לבד = that we would assemble the furniture ourselves / without help

It does not mean emotional loneliness here. It simply means doing it independently.

Because one ש־ can cover both verbs when they are linked together.

So:

• הסכימה שנרכיב את הרהיטים לבד ונחלק את התשלומים

means:

• she agreed that we would assemble the furniture ourselves and split the payments

Hebrew does not need to repeat ש־ before נחלק, although it could be repeated in some contexts for emphasis or clarity. Here, leaving it out is natural and efficient.

It means we will assemble the furniture or put the furniture together.

The verb is להרכיב, which can mean:

• assemble
• put together
• mount
• install

With רהיטים, the natural meaning is assemble the furniture, especially furniture that comes in parts.

Yes, literally it means we will split/divide the payments.

In context, it usually means something like:

• pay in parts
• spread the payments out
• divide the cost into installments

So while the literal sense is split the payments, the practical meaning is often arrange the payment in multiple parts.

This is a good example of Hebrew using a very concrete verb, לחלק (to divide / split), in a way that sounds natural in everyday financial situations.