It can be a shocker when you are at the closing table and you see the figures of what your loan payments are going to total over 30 years. Yes, the monthly payment might be doable but that 30 year total can catch people off guard.

Aside from being able to make the monthly payment, play with some mortgage/finance calculators to see just how many payments you can eliminate if you pay an extra $100 every few months. The interest you save is what will surprise you. 

Just multiply your monthly payment by 360 (the typical number of payments in a 30 year loan) and you'll feel like that loan is a lot heavier than when you first found out what the actual monthly payment was. It's still a lot better than an 18% interest rate you would see in the 1980s. Just for fun plug in that number and you won't feel so bad.