Principal: The amount you borrow and have to pay back.HOA fees: The monthly amount you pay to your homeowners' association (HOA), if the property you are considering has one, to help cover the costs of maintaining and improving the properties and amenities within the association. And if you're in an area that's vulnerable to seismic activity, you may need earthquake coverage. If you live in a flood-prone area, your lender may also require flood insurance. Mortgage lenders require borrowers to buy home insurance coverage.
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