Buyer Decision Tool
The Cost of Waiting to Buy
Compare buying today vs. waiting. Most buyers underestimate how quickly appreciation and rent stack up against any savings from a future rate drop.
Home & Timing
$
%
mo
%
Rates & Term
%
%
yrs
Carrying Costs
$
$
$
Estimated Cost of Waiting
$46,400
Waiting Has a Price
That's the combined cost of 12 months of rent plus the price increase on the home you're watching.
Future Home Price$420,000
Price Increase$20,000
Additional Down Payment$1,000
Rent Paid While Waiting$26,400
Payment If You Buy Now$3,040
Payment If You Wait$3,163
Monthly Payment Diff.$123
Additional Loan Amount$19,000
Educational tool only — not financial advice or a commitment to lend. Actual home values, rates, and rents vary.