Ginnie Mae: Your Path to Homeownership

From: Subject: Ginnie Mae: Your Path to Homeownership Date: Wed, 25 Feb 2009 08:24:15 -0800 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_0000_01C99722.7247A530" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.5579 This is a multi-part message in MIME format. ------=_NextPart_000_0000_01C99722.7247A530 Content-Type: text/html; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.ginniemae.gov/rent_vs_buy/rent_vs_buy.asp?section=YPTH Ginnie Mae: Your Path to Homeownership

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<= IMG=20 height=3D13 alt=3D"Contact Us"=20 src=3D"http://www.ginniemae.gov/images/contactus.jpg" = width=3D56=20 border=3D0 name=3DsubA>

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Buying versus Renting

There are many advantages to buying a home versus = renting=20 one. View these advantages in the Buy=20 vs. Rent Comparison Chart, or view a financial = comparison=20 of buying versus renting in the Buy=20 vs. Rent Calculator.

Your income, savings, and monthly expenses play an=20 important role in determining how large a mortgage you = can=20 afford. To figure out the amount you can afford, = please click=20 Affordability.=20

Savings: Buying

In many cases, the amount of money a renter spends = on rent=20 can be about the same as or less than the amount a = homeowner=20 spends on a mortgage. With the tax benefit for = homeowners, the=20 savings can be significant.=20

Buy vs. Rent Comparison
The chart below = shows a=20 cost comparison for a renter and a homeowner over a = seven year=20 period.

The renter starts out paying $800 per month with = annual=20 increases of 5%=20
The homeowner purchases a home for $110,000 and = pays a=20 monthly mortgage of $1,000=20
After 6 years, the homeowner's = payment is=20 lower than the renter's monthly payment=20
With the tax savings of homeownership, the=20 homeowner's payment is less than the = rental=20 payment after 3 years

Years

Rent = Payment

Mortgage = Payment

Monthly = Difference

After Tax = Savings

Yearly = Difference

After Tax = Savings

1 800 1000 -200 -50 -2400 -600

2 840 1000 -160 -10 -1920 -120

3 882 1000 -118 +32 -1416 +384

4 926 1000 -74 +76 -888 +912

5 972 1000 -28 +122 -336 +1464

6 1021 1000 +21 +171 +252 +2052

7 1072 1000 +72 +222 +864 +2664

8-30 Savings increase every=20 = year

Monthly Expenses: = Buying

Your rental company takes part of your rent payment = to=20 cover certain housing expenses. When you decide to = purchase a=20 home, you accept responsibility for paying for these = expenses=20 (listed below). They are additional costs to your = monthly=20 mortgage payment and should be included in your budget = estimates:

Property Taxes and Special Assessments=20
Home/Hazard Insurance=20
Utilities=20
Maintenance=20
Home Owner Association (HOA) Fee: Doesn't = apply=20 to all purchases. It pays for trash and snow removal = and=20 maintenance of common grounds if applicable.=20
Membership Fee: It may pay for = recreational=20 facilities and other services (cable TV).

Additional = Information=20 on Buy vs. Rent
Buy=20 vs. Rent Comparison Chart
Buy=20 vs. Rent Calculator

PRIVA= CY=20 POLICY

HOME | ABOUT=20 GINNIE MAE | F= OR=20 ISSUERS | FOR=20 INVESTORS
HOMEOWNER= SHIP=20 GUIDE AND CALCULATORS | HOMEZONE (KIDS'=20 SITE)

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