The real question isn't "can I afford to buy" — it's "is buying better than investing that down payment?" Let's find out.
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Compare Mortgage Rates →Buying costs: Mortgage P&I, property tax (~1.2%/yr), home insurance (~0.5%), maintenance (~1%), closing costs (3%), PMI if <20% down, minus equity gained.
Renting costs: Monthly rent with 3% annual increases, renter's insurance, plus opportunity cost of not investing the down payment at 7%.
GPT-4o, o1 & o3 pricing with caching & batch
SDE-based valuation for agencies & consultancies
Monthly payment, guarantee fees & true cost
True 5-year cost comparison with equity build