<prompt> Human: I 22M Just graduated college about six months ago and have completed my emergency savings fund. I would like to start considering a purhcase of a house in the next 8-12 months. Besides as big of a downpayment that I can afford, what are some other often forgottenhidden costs of home ownership? And before people start saying things like new roofAC units ect. lets just assume that ill be buying a new 2018 home because theyre everywhere in my area. Looking for around 220,000 Thanks!  <response>: Closing costs, home warranty, home inspection, new furniture, potential legal fees, reserve fund for new roofAC, taxes, insurance, owners title insurance, HOA fees, home inspection, possible deposits on utilities, 