Mortgage & Interest,
Private Mortgage Insurance (PMI) if under 20%,
Homeowners' Insurance,
   High Fire Area,
   Flood,
   Earthquake,
Property Tax,
Maintenance,
HOA fees,
   Amenity fees,
   Membership fees,
   Assessments fees,
Electrical and Gas,
Water,
Garbage,
Internet,
Gardiner,

Toll bridges/roads (Not a direct cost but one to know.)


Example

   Suppose you own a home with:

     Mortgage & Interest: $4,790/month,
     Property taxes: $950/month,
     Insurance: $250/month,
     Maintenance reserve: $300/month,
     Utilities: $250/month,
     Water & Garbage: $180/month,
     Internet $75/month,

Your monthly carrying cost would be approximately $6,795.

For budgeting purposes, many homeowners set aside1%–3% of the home's value per year for maintenance in addition to mortgage, taxes, and insurance.


These are just estimates and are net meant to be legal advice.  Don't hesitate to get in touch with a lender for better estimates for your particular home.