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Payment breakdown, amortization, and rent-vs-buy.

Home price

Down payment

Term

yrs

Extra monthly

Property tax

%/yr

Home insurance (yr)

Maintenance

%/yr

HOA (mo)

$0/mo

Principal & interest$0

Property tax$0

Insurance$0

Maintenance$0

Payment doesn't cover monthly interest — raise the down payment or lower the rate.

Rutin · rutin.app

TOTAL INTEREST

—

Payment below monthly interest

PAID OFF

—

On schedule

EXTRA PAYMENT IMPACT

—

Add an extra payment to compare

RENT VS BUY THIS HOME

Uses the mortgage above: $0 · 0% down · 0%

Comparable monthly rent

Time horizon

yrs

NET COST — RENTING

$0 rent − $0 investment growth

NET COST — BUYING

$0 outlay − $0 equity

VERDICT

Renting

Ahead by $0 over 0 years

Uses your 0% property tax and 0% maintenance from above, plus 3% home appreciation, 3% rent growth, 3% closing costs, and 7% return on the invested down payment. 30-year fixed. Estimate only.

PMI estimated at 0.8%/yr of the loan while equity is under 20%. Estimate only.

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