SH
Sarah Holder
Real Estate Partner
Cost of Waiting Analysis

What is waiting
really costing you?

Move the sliders below to see what waiting could cost you over the next few years.

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Your situation

If you wait…
$500$6,000
$100k$1.5M
$5k$300k
3%12%
3%12%
0%10%
* Default: 4.26% annual appreciation — the U.S. national average since 1991, per the FHFA House Price Index. The NJ / Mid-Atlantic region has historically appreciated faster. Adjust to model your own assumptions.
0%10%
♯ Default: 3.50% annual rent increase — near the long-run U.S. average per BLS CPI data for Rent of Primary Residence. Adjust to model your own assumptions.

If you wait 3 years…

Estimated cost of waiting
$0
The longer you wait, the more it grows. Watch the curve below.
Cost of waiting, year by year
Cumulative cost climbs every year you wait
See exactly how this number is built
🔒 Unlock the full math + your personal breakdown
See the breakdown

See the full math

Enter your details to unlock the complete breakdown and what it means for you.

Your estimate: $0 over 3 years
Your full breakdown will show
  • How much of that total is higher payments vs. a higher price vs. lost equity
  • What you'll have paid in rent with $0 to show for it
  • Whether saving on your own could realistically outpace rising prices

* Required

By continuing, you agree to be contacted about your homebuying options. Your details are shared only with your real estate and lending team.

RHMC is currently licensed to originate loans in NJ, NY, CT, PA, and FL. If you're purchasing outside these states, we can still point you toward next steps, but won't be able to originate your loan directly.

Here is the full picture

Choose your timeframe

Tap a timeframe to see the breakdown below update.

Total estimated cost of waiting 3 years
$0
While you wait, the rent meter keeps running
$0
in rent paid over 3 years — and you will own $0 of it.
Can you save faster than the market moves?
The home may cost $0 more in 5 years. Here is what it would take to save that in cash, starting now.
$0/mo
every month, for the next 5 years — just to keep pace with the rising price.
The average American saves only about 4% of their income (U.S. Bureau of Economic Analysis). Outpacing this market takes saving well above that average, every month, without missing one.
Acting now is what stops this race before it starts.

◆ Based on the full increase in sale price over your selected timeframe — not just the down payment portion. In practice, part of a higher price can be financed into a larger mortgage rather than saved in cash; this shows the full cost if you tried to save your way out of waiting instead.

Show me the math 3 years
What this means for you

Want your exact numbers?

Our lending team can show you what is really possible based on your income, credit, and current options.

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All figures are estimates for illustrative purposes only, based on assumptions you provide, and do not constitute financial advice, a rate quote, or a loan offer. Appreciation default of 4.26% reflects the FHFA House Price Index U.S. average annualized appreciation since 1991. Rent growth default of 3.50% is based on long-run U.S. trends in the BLS Consumer Price Index for Rent of Primary Residence. The cited 4% average savings rate reflects the most recent U.S. Bureau of Economic Analysis personal saving rate data. Past performance does not guarantee future results. Assumes a 30-year fixed mortgage. Actual rates and results will vary based on market conditions and individual qualification.