PMI is tax deductible now-a-days come tax time
As it should be, it is just more interest. It's the banks insurance policy. I used 0% interest CC Checks to get out of mine.
And be prepared, financially, for the furnace to crap out, the plumbing to have major issues and the roof to leak...all at once.
Yes, work a home warranty into the deal. I had one the first year. It replaced the AC, paid for the labor for the furnace, and fixed a roof leak.
I never had to do it, but it looks very expensive to sell a house. This is why you should build equity fast. So the cost is not straight out of pocket.