Estimating Carrying Costs

[Noah Barba]

Hey guys, since I haven't even owned my own home yet, I'm completely novice to the expenses that one would incur while owning a property. Through reading, I've learned most of them

e.i. mortgage payment, taxes, utilities, insurance, HOA fees, cap x and maintenance savings, etc.

My question is 

a) are there any I'm missing and/or many people forget about?

b) how to estimate for these? For example, do I need to contact the municipal offices of the city I'm buying in in order to estimate taxes and utilities? Should I go get a quote from an insurance agent for the insurance? 

Currently trying to take action steps in being confident in my numbers and this is a big chunk of it for me.

Thanks in advance to anyone who takes time to read and reply!