Should You Buy Now or Wait?

Model what happens if rates drop, prices change, and you delay 6, 12, or 24 months. See the true cost of waiting.

Today's Scenario

Target Purchase Price

$650,000

$100K$2M

Down Payment

$130,000

$5K$600K

Current Interest Rate

6.875%

4%10%

Current Monthly Rent

$2,400/mo

$500$6K

Future Assumptions

Expected Rate If You Wait

6.25%

3%10%

Expected Price Change

+4.5%

–15%+20%

🏠 Buy Now

Purchase Price$--

Loan Amount$--

Monthly P&I$--

Est. PITI$--

Equity Built (1yr)$--

⏱️ Wait 6 Months

Price After 6mo$--

Monthly P&I$--

Rent Paid While Waiting$--

Extra Price Paid$--

True Cost of Waiting$--

⏱️ Wait 12 Months

Price After 12mo$--

Monthly P&I$--

Rent Paid While Waiting$--

Extra Price Paid$--

True Cost of Waiting$--

⏱️ Wait 24 Months

Price After 24mo$--

Monthly P&I$--

Rent Paid While Waiting$--

Extra Price Paid$--

True Cost of Waiting$--

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