Factor in closing cost, to paying cash
Interest for a year to 0
What if your house does not sell right away
You will pay for
Home watch
Taxes
Water
Amenity Fee
Lawn service
Garbage pickup
We used our bank for first home closed 9 hours late due to program issues. Cost $648. For one day
That being said we bought 8 years before we retired and never regretted our decision
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Do not worry about things you can not change 
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