03 — True Cost of Ownership

The Number Most Agents
Never Show You

Mortgage, taxes, insurance, HOA, and maintenance — the complete cost picture before you sign.

The Home

Purchase Price

Down Payment

Mortgage Interest Rate

Loan Term

yrs

Annual Home Appreciation

Recurring Costs

Annual Property Tax Rate

Annual Homeowners Insurance

Monthly HOA Fee

Annual Maintenance (% of value)

Annual Utilities Increase vs. Renting

True Monthly Cost

—

All-in housing payment

First Year Total

—

Including closing costs

10-Year Total Outlay

—

Before equity gains

Monthly Cost Breakdown

Cost Component

Monthly

Annual

Total True Monthly Cost —

Cost Composition

Equity & Net Cost Over Time

The Number Most AgentsNever Show You