Buy Scenario

Home Price

Down Payment %

Loan Amount: -

Loan Term (Years)

Interest Rate (%)

Closing Costs (%)

Annual Costs

Property Tax Rate (%)

Homeowners Insurance (Monthly $)

HOA Fee (Monthly $)

Maintenance (%)

PMI Rate (% if Down Payment < 20%)

Home & Market

Annual Appreciation (%)

Tax & Deductions

Marginal Tax Rate (%)

Acquisition Debt Cap ($)

Tax Info: Mortgage interest deduction capped at acquisition debt limit. Property taxes deductible up to $10k SALT cap. Requires itemization. Learn more

PMI Details

💡 PMI Cancellation (CFPB Rules):

• 80% LTV: Request cancellation
• 78% LTV: Automatic termination
• Loan midpoint: Auto-terminates

Rent Scenario

Initial Monthly Rent ($)

Annual Rent Growth (%)

Renter Insurance (Monthly $)

Investment Assumptions

Annual Investment Return (%)

What's invested: Down payment + closing costs (from buy scenario). This models the opportunity cost—what that capital could earn if not tied up in a home.

📤 Share Your Scenario

Copy a link with your current inputs pre-filled, or share directly to social media.

Annual Schedule

Year	Loan Balance	Home Value	Equity	Buy Cumulative	Invested Portfolio	Advantage

💡 Table notes: Showing annual snapshots (calculated monthly). "Advantage" is positive if buying is ahead, negative if renting is ahead. All values include tax benefits for buying.