i own a town house.. and pay cheap HOA fee $100 a month.
kalista.. tax-deductable.. it depends how much interest you pay.. its not always work that way.
some people pay mortgage and couple interest.. and found out its not tax-deductable because they didn't reach their standard decductable.
so be careful about this.
Yes, I just had my income tax with lady. My refund tax sucks this year ! You are correct !