Yeah sorry, I oversimplified a lot. I put 20% down, currently have around 60k equity. And you're right about closing costs and all; Maintenance cost was really low though, I only replaced a stove appliance. Everything else was just minor upkeep. So, its not quite 'rent free', but it was still a really big step up on being a renter. Not to mention the fact a landlord isn't in control of everything I do here, and I get way more sq ft.