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The numbers are the easy part. The mortgage payment, down payment, taxes, and insurance all fit neatly into a spreadsheet. But what happens after you get the keys is what catches most homeowners off guard. Here are a few things no one talks about: Something will probably need attention sooner than you expect. A leaking faucet, a garage door that suddenly stops working, or an AC unit that decides it’s done. Homeownership comes with surprises, so having an emergency fund is just as important as ha
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