What has your rent bought you?
Three inputs. Then the number nobody frames for you, and the ownership scenario the same monthly could carry.
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None of it yours. It paid down a mortgage — someone else's.
At this rent, the ownership math doesn't close on its own — but combinations (co-buying, a different price point, rent-to-own) sometimes do. That's a conversation, not a calculator.
- The same monthly carries a purchase around
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- Next 5 years of renting (guideline increases)
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- Next 5 years of principal built, owning at that price
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Assumes you reach the 5% minimum down. Short of it today? The zero-down program is the bridge.
No appreciation is counted anywhere above. Historically prices have moved; we're not building your decision on it.
Illustrative math, not an approval and not advice. Ownership costs beyond mortgage and property tax (maintenance, insurance, condo fees) are real and vary — budget for them. Qualification always applies. Verify current rates with your lender.
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