> Have you factored in property taxes, impact fees if any, landscaping, HOA fees if any, school district fees/changes/bonds, fire protection fees/bonds/changes,

> Have you factored in property taxes, impact fees if any, landscaping, HOA fees if any, school district fees/changes/bonds, fire protection fees/bonds/changes, Home owners insurance, sewer or water treatment bonds/fees/changes, utility bonds/fees/changes, and more? All this leads me to believe the situation is very different in America. I'm not even sure what any of that means. Here in Europe you buy a house, pay interest on the mortgage, and that's about it.