Rephrase the following: The numbers above show that the down payment plus the additional costs to own a home result in higher upfront costs when buying a home. Depending on personal preferences and circumstances, owning a home or renting is the best option. Becoming a homeowner might be a smart decision for people who value stability, customization, and equity creation. On the other hand, renting might be more appealing to people looking for less up-front expenses, flexibility, and little upkeep duties.