<prompt> Human: So my wife and I are buying a house. YAY!!! There is a USDA 100 loan option available in our area which I think makes sense for us. I just want to make sure that I am accounting for everything. The purchase price would be 115k. Closing costs at 3,000ish. PMI is a thing at like 100mo. Annual Property tax at 2200ish rate is high here. If the current interest rate at closing is 4.5 that ends up at 880mo if I distribute the cost of property tax. Do my numbers make sense? I just want to make sure that Im not missing something huge. We are currently paying 850mo in rent  <response>: Main thing you may be missing is the potentially high cost of maintaining a home, especially in the first year. People often sell for a reason. 