I look forward to buy a house and mortgage info ….?

I’m looking to buy a $ 80,000.00 Condo / Townhouse. If I had a level of 30-year loan fixed at about 6.5% to do without money, what would I look for in one payment when you think about $ 1000 per year in taxes and say one month $ 150 by the HOA fees included? ? Also, how do I have a mortgage at 100% without PMI, mortgage insurance? I know there are ways to avoid PMI.

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