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What belongs in the full monthly ownership budget near a college campus in the college area, the state, and what rent-only costs should be added before comparing renting with buying?

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Massachusetts Institute of Technology

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Boston University

A full monthly ownership budget near Boston University should include the mortgage principal and interest plus property taxes, homeowners insurance, possible flood insurance, HOA fees, maintenance, repairs, utilities, and mortgage insurance if your down payment is under 20%. Before comparing renting with buying, add rent-only or rent-adjacent costs you’d still pay as a renter, especially utilities, parking if separate, and moving costs when they apply.

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