Renting buys housing — owning builds wealth. This compares both paths on net worth over any horizon: equity after selling costs against rent paid and cash kept.
A 2-page client report Print-ready, PDF at letter size
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The buyer
1Renting TodayThe path you’re comparing against
Optional — appears in the report header
$
Per month, today
%
Per year, compounding
$
Per month
The purchase
2The Home & LoanRate and down payment prefill from the loan type
$
$
5.0% of the price
%
Adjust to today’s pricing
$
Cash at close, on top of the down payment
$
3% cap · $15,000 max on Conventional at 5% down
%
Taken off the home’s value at exit
The assumptions
3Cost to OwnEverything the owner pays that the renter doesn’t
%
Of home value, per year
$
Annual premium
$
Per month
%
Repairs and upkeep reserve, per year
None at 20% down or more
$
Per month
A missing HOA is the most common reason a report understates the cost to own — check the community before you run it. Taxes and maintenance are entered as a percent of value, so they grow with the home instead of staying frozen at year one.
4Growth & Horizon
%
Per year
yr
How long they stay
%
Per year, on the renter’s cash
%
$
MFJ $31,500 · Single $15,750
Leave the deduction excluded unless the client itemizes — only the interest and property tax above the standard deduction is a real benefit, and most buyers never clear it.
Who it’s fromRequired
LO
Loan Officer Information
Appears on page 2 of the report, in the signature block and the disclosures
0 of 7
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