What are the hidden costs of buying and owning a home?
Beyond the mortgage: closing costs, moving, utilities, maintenance and repairs (often budgeted at 1% to 2% of the price per year), HOA fees, and tax or insurance increases. ListingCraft for Buyers shows the estimated monthly payment and cash to close up front so fewer costs surprise you.
Keep an emergency fund for big repairs such as a roof, water heater or HVAC system, and ask about their age before you buy.