I am often contacted for my advice on Selling homes and Buying homes!
I always recomend that when a person or a family is purchasing a new home, they sit down on work out their costs and then visit a bank or a Mortgage Broker for more details.
I have a very effective Banker - Alan Hicks from the Royal Bank (902) 830-6996 that will do financial models for myself and my clients!
In the interim, I have forund some information that might be of assistance to you located at http://www.metronews.ca/halifax/comment/article/506619--the-hidden-costs-of-buying-a-home
I hope this information helps!