Owner financing · Pricing
Transparent numbers, no surprises.
Adjust the home price and down payment below and see exactly what you'd pay at closing and each month.
Estimate
What would your home cost?
15-year fixed at 10% (10.00% APR), 180 monthly payments, fully amortizing — no balloon. Pay off or refinance any time; a 1% early-payoff fee applies to the remaining balance.
Due at closing
- Down payment — your only cash to close
- $27,750
Each month
- Amount financed
- $157,250
- Principal & interest
- $1,690
- Taxes & insurance (est., escrowed)
- $336
- All-in monthly payment
- $2,025
Pay it off any time
- Total interest over the full 15 years
- $146,917
- Payoff after 5 years (incl. 1% fee)
- $129,149
Taxes and insurance are estimates modeled on a typical program home; your exact escrow is set at closing. HOA dues, where applicable, are separate. Pay ahead of schedule and the totals above only get smaller.
Owner financing example: on a $185,000 home with 15% down ($27,750), the $157,250 amount financed at a 10% fixed rate (10.00% APR) is repaid in 180 monthly payments of $1,689.82 in principal and interest. Property taxes, homeowner's insurance, and any HOA dues are additional, so your total payment will be higher. The APR assumes no prepaid finance charges. Rates, payments, and examples on this site are illustrations — not an offer of credit or a commitment to lend. Your actual rate and terms depend on review of your application and are confirmed in writing before you sign.
Upfront costs
Example based on a $185,000 home.
| Cost | Amount |
|---|---|
|
Down Payment (15%) Your equity from day one — the only cash due at closing |
$27,750 |
| Total Due | $27,750 |
Monthly costs
Example based on a $185,000 home — principal, interest, and escrow.
| Cost | Amount |
|---|---|
|
Principal & Interest 10% fixed (10.00% APR) on a $157,250 note, 180 payments |
$1,690 |
|
Property Taxes Estimated · escrowed in payment |
~$130 |
|
Homeowner's Insurance Estimated · escrowed in payment |
~$206 |
|
HOA (if applicable) Separate from payment |
Varies |
| All-In Total | ~$2,025 |
Compare your options
How owner financing stacks up.
Side by side with traditional renting and conventional purchase.
Traditional Rent
- No equity building
- No tax benefits
- Rent increases over time
- No control over property
- Money goes to landlord
Twelve22 Capital
- Build equity from day one
- Tax deductions available
- Fixed payment for 15 years
- Full control of your home
- Own free and clear in 15 years
Traditional Purchase
- Best interest rates
- Requires excellent credit
- Strict income documentation
- Lengthy approval process
- 20% down often required
Our products
Choose the path that fits your family.
Buy now with Twelve22 owner financing, or lease first and buy when you're ready. Same homes, same team, same transparent terms.
Own it from day one
We buy the home and finance the sale ourselves under a contract for deed. Your payments build equity from the first month, and the deed is yours at payoff.
- 15% down at closing — your equity from day one
- Fixed 10% rate (10.00% APR) for 15 years, fully amortizing, no balloon
- Pay off or refinance any time
Lease first, buy when you're ready
Move in with less upfront, earn credits toward the purchase with every on-time payment, and buy the home on your timeline.
- 5% non-refundable option fee, credited toward your purchase price
- One all-in monthly payment, property taxes and insurance included
- Lease up to 6 years and buy any time with any lender
Ready to start your journey?
Complete your application in 5 minutes. Pre-qualification within 24–48 hours.