You saved up that down payment—and those extra closing costs. The furniture has been bought and the rooms have been painted. You’ve sent the movers a deposit and even paid your first mortgage payment! You’re past the most stressful financial part of homeownership, right? Not so fast. A large portion of American homeowners say they’re still facing financial anxiety—even after move-in day.

According to NerdWallet’s 2019 Home Buyer Report, one out of four new American homeowners say they no longer feel financially secure after buying a home—even though their home may be the biggest single investment they have. This number’s even higher for first-time homebuyers: 34 percent of them feel less secure money-wise after the big purchase.

So what gives? Apparently there are a lot of misconceptions during the home-buying process that lead to some financial instability and anxiety as homeowners.

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