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Run the numbers
What would your month look like?
Two ways in. Not everyone has 20% down — and you don’t need it. With owned solar and no HOA, the monthly stays friendly. Here’s a realistic look at both.
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Lowest entry · 5% down
~$34,500
cash to get in (down payment)
~$5,300/mo
Principal, interest, taxes, insurance & Mello-Roos, plus ~$330/mo PMI that drops off near 20% equity. No HOA dues.
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Classic · 20% down
~$138,000
cash to get in (down payment)
~$4,340/mo
Principal, interest, taxes, insurance & Mello-Roos. No PMI, no HOA — lower monthly, more cash up front.
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Get help getting pre-approved
Estimates only at a sample 6.5% / 30-yr rate — not a loan offer or commitment. Actual rate, taxes, HOA, Mello-Roos, insurance, and PMI vary.
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