You're just jealous that I qualify for a zero down mortgage 🤷

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it's just a question - how much do you think you should pay monthly, to eventually "own" a house, without putting any initial money towards it?

How much of it should go to interest vs paying off the principal is the sticking point for me.

Yes, that is a revelation many people never even go through. You'll basically be paying interest for the first 10-15 years.

Difference between a 2.5% rate and a 7.5% rate is about an extra $1400 or so on your monthly payment. I don't work to make the damn bankers rich.