So, for your 200k downpayment, you now have 200k * 1.047^35 = 1MM as the total house value that you own even without house appreciation, so almost a 5% rate of

So, for your 200k downpayment, you now have 200k * 1.047^35 = 1MM as the total house value that you own even without house appreciation, so almost a 5% rate of return.