MONTHLY COST WORKSHEET (BLANK)
Fill in your own figures. Nothing here is filled in for you,
because every one of these numbers is local and personal.

A. THE LOAN
  Principal and interest ..................  ______
  Mortgage insurance, if required .........  ______

B. THE UNAVOIDABLE
  Property taxes / 12 .....................  ______
  Buildings insurance / 12 ................  ______
  Association or common charges ...........  ______

C. RUNNING THE BUILDING
  Heating .................................  ______
  Cooling and electricity .................  ______
  Water, sewer or septic service ..........  ______
  Waste collection ........................  ______

D. THE SLOW COSTS PEOPLE FORGET
  Roof, siding, windows: set aside monthly   ______
  Heating plant replacement fund ..........  ______
  Appliances and decoration ...............  ______
  Grounds, drainage, trees ................  ______

E. GETTING TO WORK
  Commuting cost from THIS address ........  ______
  Second vehicle, if this address needs one  ______

TOTAL (A+B+C+D+E) .........................  ______

Compare that total with rent for a comparable home in the
same area, not with the loan payment alone.