Tiffany figures she can pay $1,000 a month for housing. She used a mortgage calculator to figure out how big a mortgage she could afford. Tiffany sees that at current interest rates a $150,000 mortgage would be a payment of $800, and her estimated tax payment each month would be $100. Tiffany thinks she can easily afford the $900 total monthly payment. Describe three costs she did not consider in her calculation.