This can’t be upvoted enough. Don’t withdraw 401k funds so you don’t have to pay PMI. PMI can get removed once you hit the 75% LTV mark and it’s not permanent.

Edit: assuming conventional loan and not FHA

Water being included is normal. HOT water is not usually included. Hot water is typically generated at your unit by your hot water heater. In your case, it’s electric so most likely you are paying to heat the water you use.

My house is 2500 sq feet and we use 2200+ kw hours per month. Your usage isn’t crazy high but remember every area is different cost wise. Plus since you’re all electric that means that you do pay for hot water just as electric usage. Your unit might be incredibly inefficient. We can request the power provider to come out and do an efficiency review of our house to give us ideas how to make it more efficient.

Both.