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Texas Lease-To-Own or Rent-To-Own Options How Does Rent-to-Own Work? | Trulia – Rent credits apply a percentage of your monthly rent to the purchase price of the home. Say the price of the home is $200,000, and the landlord agrees to apply 30% of your $1,500 monthly rent payment throughout your two-year lease agreement. This would bring the purchase price down to $189,800.