Lease to purchase · Pricing
See every number before you move in.
Pick a home price and the month you plan to buy. See what you pay at signing, each month, and how much is left to finance when you buy.
Estimate
What would your lease cost?
Monthly payment is 1.19% of the home's price, rounded to $10, and rises 3% with each 2-year lease term, up to three terms (6 years). Purchase price is our cost plus 2%, 4%, or 6% depending on when you buy — never more than 6%. Closing costs are estimated at $3,000.
Due at signing
- Option fee (5%), non-refundable — credited toward your purchase
- $9,250
Each month
- Years 1–2
- $2,200
- Years 3–4
- $2,266
- Years 5–6
- $2,334
- On-time credit
- $278
When you buy
- Purchase price
- $199,280
- On-time credits earned
- $9,990
- Option fee + credits applied
- $19,240
- Left to finance
- $180,040
If no lender can approve you and Twelve22 offers owner financing, you'd add $10,652 to reach the 15% down payment.
Estimates assume every payment is on time. Property taxes and homeowner's insurance are included in your monthly payment; repairs, maintenance, utilities, landscaping, and renters insurance are yours. The option fee is non-refundable, and the option fee and credits are forfeited if you move out without buying. Final terms are set in your lease and purchase-option agreements.
Upfront costs
Example based on a $185,000 home.
| Item | Amount |
|---|---|
|
Option fee (5%) Non-refundable. Credited toward your purchase price when you buy; forfeited if you don't |
$9,250 |
| Total Due at Signing | $9,250 |
Monthly costs
Example based on a $185,000 home, years 1–2.
| Item | Amount |
|---|---|
|
Monthly payment Includes property taxes and homeowner's insurance |
$2,200 |
|
On-time credit 0.15% of the price, credited toward your purchase each on-time month |
$278 |
|
Repairs, utilities, landscaping & renters insurance Yours to handle, like any homeowner |
Varies |
| All-In Monthly Payment | $2,200 |
When you buy
Example: $185,000 home, bought after 36 on-time payments.
| Item | Amount |
|---|---|
|
Purchase price Cost ($185,000 + est. $3,000 closing) plus 6% |
$199,280 |
|
Less: option fee Paid at signing |
−$9,250 |
|
Less: on-time credits 36 months × $277.50 |
−$9,990 |
| Left to Finance | $180,040 |
Our products
Choose the path that fits your family.
Buy now with Twelve22 owner financing, or lease first and buy when you're ready. Same homes, same team, same transparent terms.
Own it from day one
We buy the home and finance the sale ourselves under a contract for deed. Your payments build equity from the first month, and the deed is yours at payoff.
- 15% down at closing — your equity from day one
- Fixed 10% rate (10.00% APR) for 15 years, fully amortizing, no balloon
- Pay off or refinance any time
Lease first, buy when you're ready
Move in with less upfront, earn credits toward the purchase with every on-time payment, and buy the home on your timeline.
- 5% non-refundable option fee, credited toward your purchase price
- One all-in monthly payment, property taxes and insurance included
- Lease up to 6 years and buy any time with any lender
Ready to start your journey?
Complete your application in 5 minutes. Pre-qualification within 24–48 hours.