Home, Sweet Home. Suppose Ms. Profligate and Mr. Discipline both purchase identical $185,000 homes in Marietta, GA on January 1, 2012. They both have good credit and qualify for a loan with no down payment and 4.8% financing. Profligate take a 15 year loan whereas Discipline take a 30 year loan and reinvests the monthly difference in payments in a the S&P Index fund paying 8.2% per year. Compare their position after 10 years (payment 120). Who has the least-cost home ownership and by how much?