HFG Rent vs. Buy
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Buyer Tool
Rent vs. Buy
Buyer Tool · Homeowners Financial Group
Rent vs.
Buy
Renting buys housing — owning builds wealth. Compare the net-worth picture of both paths, side by side, over any horizon.
The Comparison
Prepared For
Home Price
$
Loan Type
Conventional
FHA
VA
Down Payment
%
$
$
%
Interest Rate
%
Prefilled from the loan type — adjust to today’s pricing
Loan Term
30-Year
20-Year
15-Year
10-Year
Current Rent / mo
$
Rent Increase
%/yr
Renters Insurance / mo
$
Ownership Costs
Closing Costs (Cash)
$
Property Tax
%/yr
Homeowners Insurance
$
Annual
HOA / mo
$
Maintenance
%/yr
Repairs & upkeep reserve
Monthly Mortgage Ins.
$
Auto-estimate (none at 20%+ down)
Growth, Tax & Horizon
Home Appreciation
%/yr
Investment Return
%/yr
Renter invests the difference
Marginal Tax Rate
%
Standard Deduction
$
MFJ $31,500 · Single $15,750
Selling Costs (Exit)
%
Time Horizon
yrs
Count tax deduction — benefit
above the standard deduction
only (off by default)
Loan Officer Information
All fields below are required and appear on the client report and its disclosures.
Full Name
*
NMLS #
*
Phone
*
Email
*
Office Address
*
License State
*
License Number
*
auto
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Rent vs. Buy — Results
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