$1000 for those costs per month is pure fantasy here.

So do you think that an estimate going from $1000 to $1100 is definitely in the range of going from "reasonable" to "pure fantasy"?

Sorry mate but you are just out of your depth here. These are reasonable numbers and $1k was a rough estimate I made based on a fair bit of knowledge. The fact I actually was only 10% off from a pure eyeball estimate is pretty damn good imo.

$100 doesnt magically make or break any of what I said when you are dealing with the scale of hundreds of thousands of dollars.

We aren't talking about magical vague numbers here, all of this is stuff you can look up the formulas for and all the numbers are quite public info. Gas prices, electricity rates, tax rates, and entry level home prices are not hard to find.

My numbers in my original post are maybe off by a few % tops. You said it was "pure fantasy" but now we have unequivocally demonstrated my estimates were actually pretty dang close to reality.

These are just straight up numbers you can just plug in and work out, there's nothing really else to it. It doesnt matter where you live, the formulas are the same across pretty much all of Canada, US, the UK, etc.

Banks solved this shit a long time ago, it aint that hard to go find a calculator and work it out.