I learned I'll be paying Private Mortgage Insurance for years, an extra $100 a month expense. Plus, my insurance company demanded I install a new roof, sewage backed up into my basement, and more. But the relief didn't last for long: Turns out, there were a myriad of unexpected costs to tackle in my first month of homeownership. But a lot of items were ruined, adding up to a substantial unexpected cost. And what's underneath your home might surprise you when it comes to the cost of maintenance.

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