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In addition to the mortgage payment, what other costs do I need to consider?

You will be responsible for paying your monthly utilities. These may consist of water, sewer, trash removal, electricity, and gas. If your utilities have been covered in your rent, this may be new for you. I can help you get information from the seller on how much utilities normally cost for the home. In addition, you might have homeowner association (HOA) dues. You will also have property taxes, consisting of school board, city and county taxes. Taxes normally are rolled into your mortgage payment. I will be able to help you anticipate these costs so that you can budget accordingly.

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