[MATCHBX]

I'm glad we got into ours when we did. Granted it's a little out of the way. But it's nice and quiet here. We don't hear the "Thump, thump, thump" from the little teenie-boppers' cars all nite long like we did in our rental in Burnsville.

We got our townhome for $120K. We did a 100% mortgage. We went through FHA and they hooked us up with down payment assistance. We paid $600 at closing. The builders paid all the closing costs (allowable by law) and are picking up the first year of assoc. dues ($128 a month).

On the bad side, we only get a one stall garage. But on the good side, our mortgage is for $120K while the property was appraised at $133K. So we have equity going into it. Also, being that it is a brand new build, our taxes are for the "unimproved lot value" for the first year or so. Next years taxes are somewhere in the neighborhood of $600-700. It's a 2-bedroom, 1200 sq-ft, 2-bath townhouse. We have a middle unit so it's easy to heat. The association takes care of the water, sewer and garbage. We got a fireplace in the livingroom, ceiling fan up in the bedroom and walk-in closets in both bedrooms. Also a huge amount of storage space. We have 5 good size closets in this place.