Free interactive tool
What does it
cost to wait?
✦
A simple way to see what waiting really costs.

Move the bars below to match your situation. The numbers update right away. You'll see exactly how much more a house will cost, how much extra you'll need to save, and how much your monthly payment will go up if you wait to buy.

Scroll down to play with the numbers
Your situation
Slide the bar or type your own number. The results on the right change as you go.
How much does the house cost today?
$100K$1.5M
How long are you thinking of waiting?
1 year10 years
How fast do home prices go up each year?
1%15%
How much money are you putting down?
3%25%
What's your interest rate?
3%12%
If you wait
In 2 years, the same house will cost
$496,012
▲$46,012 more than today
Money lost
$46,012
In home value you missed out on
Extra to save
$2,301
More cash needed for down payment
Your monthly payment
If you buy now
$2,658/month
If you wait 2 years
$2,942/month
Buying now is cheaper 90%
Extra you'll pay over 30 years
$102,211
If you wait and buy later instead of now
⚠
What this all means

Here's what's
actually happening.

01. The house costs $450,000 right now. If you wait 2 years, that same house will cost about $496,012. The price keeps going up whether you're ready to buy or not.
02. Because the house costs more later, you'll also need $2,301 more in cash just to make the down payment. That's extra money you'd need to save before you can even buy the house.
03. Your monthly payment will be $284 higher every single month. And not just for a year or two. It stays higher for as long as you have the mortgage, which is usually 30 years.
04. Every month you pay rent, that money is gone forever. Someone who buys a home today is using their money to build value: every payment makes them own a little more of the house. The longer you wait, the further behind you get. Owning beats waiting.

These numbers are examples based on 5% yearly home price growth and a 6.875% interest rate on a 30-year mortgage. Real numbers depend on the market, your credit, and the type of loan you get. We'll run real numbers for you when you're ready.

Ready to stop waiting?

Let's find out what you
qualify for today.

No pressure. No cost. No commitment. We'll run the real numbers for your exact situation and show you what's possible right now, in English or Spanish.

Call us: 702-550-9061 Start my application →
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