Market Intelligence · RET Frameworks
Cash vs Financing
Compare cash tied up, monthly payment and the ownership budget using your own assumptions.
Updated · The periods covered by the figures are shown separately.
Enter your own assumptions. This illustration compares cash required and monthly debt payment, not investment return, affordability approval or an offer price. Nothing is sent to RET or a lender.
Annual ownership costs should include buyer taxes, insurance, maintenance, association or club charges and recurring assessments. Closing costs, points, mortgage insurance, one-time work, tax effects and the opportunity cost of invested cash are excluded. Principal and interest are shown separately for the first payment; principal repayment is a cash obligation, not the same expense as interest. Actual loan documents and quotes control.
The national Freddie Mac 30-year benchmark was 7.32% for the week of 22 October 2026, versus 7.40% a week earlier and 6.19% a year earlier. It is conventional conforming context, not the rate assumed in this form or a jumbo quote.
Source · Week of 22 October 2026
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