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%, 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 (10%) — your only cash to close
- $18,500
Each month
- Amount financed
- $166,500
- Principal & interest
- $1,789
- Taxes & insurance (est., escrowed)
- $336
- All-in monthly payment
- $2,125
Pay it off any time
- Total interest over the full 15 years
- $155,566
- Payoff after 5 years (incl. 1% fee)
- $136,742
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.
Upfront costs
Example based on a $185,000 home.
| Cost | Amount |
|---|---|
|
Down Payment (10%) Your equity from day one — the only cash due at closing |
$18,500 |
| Total Due | $18,500 |
Monthly costs
Example based on a $185,000 home — principal, interest, and escrow.
| Cost | Amount |
|---|---|
|
Principal & Interest 10% fixed on a $166,500 note |
$1,789 |
|
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 | ~$2,125 |
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.