<prompt> Human: I went through the sidebar and couldnt find a sort of checklist of things that I should pay attention to while buying a home.Some details about me:Married with family income of 150k pretax. Have 80k in savingsinvestments excluding 401k. Looking to buy a house worth 450k Portland,OR housing market is off the charts. Currently renting at about 1400 a month excluding utilities 2 bed-1bath.Here are some of the questions that I need help with.1. Buying a 450k house will bump up my monthly mortgage to about 1600 which is 200 more than what I rent at currently? Is it worth the increase in cost? How do I figure out whether this is a good investment? Historical data? Is this a bubble?2. I should be able to afford 20 down and avoid PMI. However, what are typically the closing costs involved?3. What things should I pay attention to while touring the property? What relevant questions should I ask the home owner that might help me rate the property?4. My credit score is about 730. Where should I go to get financing? Credit union, bank, or shop around to find the lowest rate?5. I have only been looking at Zillow currently for houses. Any other resources I should pay attention to?6. I have not contacted a real estate broker yet to help me. How should I go about picking one? Can I buy a house without one?Pardon me for the barrage of questions but first time buying is very nerve-wracking.Thanks for the help in advance.  <response>: Buying a 450k house will bump up my monthly mortgage to about 1600 which is 200 more than what I rent at currently?This only factors mortgage principal and interest. You need to account for property tax and insurance in your area too, along with any potential HOA fees or the sort. For example, I have a mortgage of 318k at inception property value 424k. My monthly PI payment is 1565. If I include property taxes, HOA fees, and insurance, my monthly payment is 2300. Make sure you know what youre getting into. Closing costs typically range from 2-5 of the mortgage amount. 