Abstract: A system and method for funding a home investment trust program to provide for home mortgage payments to pay for a home throughout the mortgage period, a first trust fund and a cash-out amount payable during the mortgage period useable for college expenses, and a second trust fund payable at the end of the mortgage period for retirement, wherein funding for the trust comes substantially from income tax savings associated with deducting interest paid on a home mortgage. The invention includes determining the purchaser's tax liability and any tax refund or reduction due to the deduction attributable to interest paid on the home mortgage. The latter amount is systematically deposited into a trust fund. At a point during the mortgage period, the home maybe refinanced in a manner allowing the homeowner to "cash-out" part of the equity build-up. After refinancing, the homeowner will continue funding another trust with income tax deductions attributable to the interest paid on the home mortgage.