How Homeownership Boosts Kids’ Success: 9% Higher Grades and 0% Down Options
How Homeownership Boosts Kids' Success: 9% Higher Grades and 0% Down Options
Published October 30, 2025 • By First Capital Mortgage Inc.
Imagine your child scoring 9% higher in math and reading - just because you own your home.
Studies show the benefits of homeownership for children go far beyond financial security. At First Capital Mortgage Inc., we’ve seen how homeownership impacts kids' education, confidence, and long-term success.
How Homeownership Helps Kids Succeed
Research confirms that kids helped by homeownership outperform renters' children in school, behavior, and future wealth-building. Here's what the data reveals:
- Kids in owned homes score 9% higher in math and reading and are 1.6× more likely to own homes as adults (NBER, 2019).
- Each forced move costs your child approximately six months of learning (Urban Institute, 2021).
How many moves has your family already endured? Imagine what consistent stability could do for your child's future.
The 4 Superpowers of Homeownership for Kids
- Same school → no mid-year transfers: Consistency boosts academic performance. Children who remain in one school all year are up to 10% more likely to show grade improvement.
- Same friends → confidence skyrockets: Stable social circles help build trust, reduce anxiety, and strengthen emotional resilience.
- Same bedroom → less stress, better sleep: Familiar surroundings support calm routines, improving sleep and focus in class.
- Growing roots → pride, responsibility, legacy: Homeownership gives children a sense of belonging and ownership of their environment.
- Reduced anxiety → 25% lower stress levels: According to APA research, stable housing lowers childhood stress by up to 25%.
"We moved four times in five years. My son started acting out. The day we closed on our home, everything changed."
- Sarah M., First Capital Client
Parents Win Too: Retire 3 Years Earlier
Homeownership doesn't just help kids - it changes a family's financial trajectory. Homeowners retire an average of three years earlier than renters, often at 65 instead of 68 (Fed SCF, 2022).
- $400,000 median net worth vs. $10,400 for renters
- Home equity grows 4 - 5% annually - turning a $300,000 home into over $373,000 in five years
- Tax deductions on mortgage interest and property taxes
- Use home equity for college tuition or investment opportunities
Start with 0% Down: Build Your Family's Legacy LEARN MORE ABOUT 0% DOWN
You don't need a large down payment to give your kids these advantages. Several programs allow you to buy with 0% down - even as a first-time buyer.
| Program | Down Payment | Eligibility |
|---|---|---|
| VA Loan | 0% | Veterans & Military Families |
| USDA Loan | 0% | Rural & Suburban Areas |
| FHA Loan | 3.5% | First-Time or Moderate-Credit Buyers |
Ready to give your kids these advantages?
Start your 0% down pre-approval today and build stability that lasts a lifetime.
✅ Start Your Pre-Approval
Get pre-approved in just 15 minutes - 0% down options included.
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References
- National Bureau of Economic Research (NBER, 2019)
- Urban Institute (2021)
- Georgetown CEW (2020)
- Federal Reserve SCF (2022)
First Capital Mortgage Inc. - NMLS #2228346 (CA) • #2527671 (NV/TN)
(209) 522-7100 | www.FirstCapitalMortgageInc.com