Pricing & costs
Transparent numbers, no surprises.
Adjust the home price below and see exactly what you'd pay at closing and each month.
Estimate
What would your home cost?
15-year fixed at 10%. Refinance or pay off any time, no penalty.
Due at closing
- Down payment (10%)
- $24,500
- Closing costs
- $2,000
- Total due at closing
- $26,500
Each month
- Loan amount
- $325,500
- Principal & interest
- $2,737
Monthly figure excludes property taxes, homeowner's insurance, and HOA where applicable. Typical total: $3,200–$3,500.
Upfront costs
Example based on a $180,000 home.
| Cost | Amount |
|---|---|
|
Down Payment (10%) Goes toward home equity |
$18,000 |
|
Closing Costs Standard closing fees |
~$2,000 |
|
First Month Payment First monthly payment |
~$1,741 |
| Total Due | ~$21,741 |
Monthly costs
Built around principal, interest, and escrow.
| Cost | Amount |
|---|---|
|
Principal & Interest 10% on a $162,000 loan |
$1,741 |
|
Property Taxes Escrowed in payment |
Varies |
|
Homeowner's Insurance Escrowed in payment |
Varies |
|
HOA (if applicable) Separate from payment |
Varies |
| Typical Total | $3,200–$3,500 |
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
Ready to start your journey?
Complete your application in 5 minutes. Pre-qualification within 24–48 hours.