Cost of Waiting Calculator

See how waiting to buy could affect your price and payment — using your own assumptions. Adjust every number; nothing is assumed for you.

This is a hypothetical illustration based on the assumptions you enter — not a prediction, guarantee, or offer of credit. Home prices and interest rates can rise or fall. Your actual rate and terms depend on your application.

Your assumptions

Home price today

Down payment %

Loan term

Months you’d wait

Today’s rate %

Rate if you wait %

Defaults to today’s rate — change it to model a rise or fall.

Home appreciation %/yr

Set your own. U.S. long-run average is roughly 3–4%/yr.

Current monthly rent

Optional — if you’re renting while you wait.

Enter a home price above to see the comparison.

For illustration only. This tool does not predict or guarantee future home prices, interest rates, or appreciation, and is not an offer or commitment to lend. Actual loan terms depend on your credit, property, and program. Equal Housing Lender.