dont forget to include taxes.
i pay more for taxes than my mortgage.
i also found my place through friends…
bought it from a family who’s mother had passed.
no realtors at all for me 
i went through sony mae, and through the combinations of massive withdrawls and deposits because of my wedding, i managed to disqualify myself from teh damn closing cost assistance.
get a good inspector and a fixer upper for your 1st place
neighbors payed 51k more than me for the same cokkie cutter house in better condition 