Step 2 of 3
What waiting actually costs
The house today
Held at the same percentage if the purchase is delayed.
More options
Of the property's value, per year. Rises with the price.
Subtracted from the benefit. Zero if you would not refinance.
Your two assumptions — change them
Everything below this line is a guess about the future, and it is your guess, not a forecast from this site. The rate starts at no change on purpose: which way rates move is a much bigger claim than roughly how much houses appreciate, and this tool will not make it for you.
Optional. Enter one and this shows what prices there actually did over the last 30 years.
An assumption — yours, not a forecast and not a promise from this site. It drives the future price, the payment that comes with it, and the extra down payment on the answer. A ZIP code above sets the starting point; change it to whatever you actually believe, including a negative number.
No ZIP code entered, so the assumption on the right is starting from this site's default rather than from local history.
Your own estimate, not a forecast. Leave it at no change and the result makes no claim about rates at all.
If you buy the same house later instead of now, two things move: the price you pay for it, and the payment you carry once you own it. Put your own assumptions in and see the size of the gap.
Want to talk this through?
Send Mike your question and he’ll come back to you. No numbers, no obligation — just a conversation. Prefer to apply right now? The button just below goes straight to the application.
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Prefer to talk? Call Mike at (415) 517-0900, or text