If you’ve lived in apartments all your life, the move to home ownership can be an intimidating one. And it’s not just about mortgages. Whether you’re building a new home, purchasing a previously owned home, or delving into the world of real estate foreclosures, it’s helpful to know the real costs associated with ownership.Utilities. As an apartment dweller, it’s likely that you split the cost of utilities with your landlord as part of your lease agreement (they pay heat, you pay electricity, etc.). However, your landlord also paid for things that you might not even be aware of — things…