Fixtures and personal property . Don't assume anything. Part of the deal should be determining which items of personal property stay with the house, and spelling it out in writing. The senator was referring to the disconnect between the money the government spends and the real world. Something similar happens when the average person buys or sells a house.
Most people focus on the monthly payment, for that's something they can feel.
That's because the money doesn't seem real. It's magic money. And besides, we'll be moving in five years anyhow. Work with an experienced lawyer in your state.