Buying a house, especially your first house, can be exciting and a little overwhelming. While you may have heard about advertisements touting zero down home loans and no money out-of-pocket, buying a house is just plain expensive, and there’s really no other way around it. You can buy a house with very little down payment or you can roll down payment into the cost of the house as long as the home appraises for the higher or inflated cost, but buying a house is not cheap. I don’t want to deceive you thinking you can buy a house with less than $20 in your bank account, because you can’t. And, do you really want to? Think of it, if you’ve been renting for a long time and suddenly you become a homeowner, now you are responsible for anything and everything that breaks or needs repair in the house and if you don’t have a lot of money in the bank, you could be racking up some credit card debt fairly quickly. I don’t want to scare you away from buying a house but I do want you to be prepared.

Here are 20 additional costs of buying a home that you may not know about.