I have to tell you that I got real lucky when I bought my home. There are enough costs that come with that and you have already spent thousands of dollars on the downpayment and possibly the move as well if you were moving out of state like I did. The next thing you usually have to dump thousands into is a brand new, up to date and very expensive central heating and air conditioning system unit. Well, I did not have to do this because the house that I bought actually came with both a brand new and up to date central heating and air conditioning system, plus as a bonus, it also had the most brand new and up to date smart thermostat to go with it! Who could ask for anything more? The previous owners of the house had purchased these things within the last year to increase the value of the home, which it did. But it was also a great deal because it still worked out thousands of dollars cheaper than having to buy a brand new and up to date central heating and air conditioning system myself and pay for the HVAC installation from whoever the local heating and cooling company is. Which being new here, I do not even know that much yet. I do not know who the heating and air conditioning company is, and I do not know if there are any independent heat and a/c specialists in the area for hire. I have a lot of research to do on that yet!