I don’t know what to say. You sound screwed but could have been screwed much worse. Sorry or congrats?
I think the bottom line is that almost everyone is screwed the way things are going. I’m screwed a lot less than other people since I got in at a (comparatively, now) low purchase price and great interest rate. My home insurance company has surprisingly not increased it’s rates for the last two years as well, so that’s a silver lining I suppose.