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There may be some hard feelings about the breakup
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When every penny counts, and you're scraping together all you have for a mortgage, plus first year weirdness with escrow payments, what you're saying is NOT minor. It's anything but.
All you're really telling this other guy is that you've never been genuinely poor. Everything you just wrote is from a place of continuing financial privilege. You seriously have NO idea what you're talking about. Ciao.
Ah the personal attacks. That says it all.
My honest response is that if you are just scraping through payments you probably shouldn't have brought and opened yourself up to alot of risk.
He didn't, hence his responses.