Cost of Waiting – Calculator

Cost of Waiting

Compare buying now vs. waiting. See additional cash required, missed appreciation, and missed principal reduction over your wait period. Property taxes, homeowners insurance, HOA, and mortgage insurance are included in totals.

Remember my last inputs

Prepared for State

Purchase Price

Loan Program

Down Payment %

Rate Now %

Annual Appreciation %

Loan Term (years)

Future Rate Curve

Upfront MIP / Guarantee / Funding Fee (%)

Property Tax %

MI (Annual %)

Applied to loan, divided by 12. Hidden for VA and Conv ≤80% LTV.

HOI ($/mo)

HOA ($/mo)

Realtor Information (optional)

Name

Company

Title

License #

Phone

Website

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Prepared for

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Prepared on

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PRICE

$—

DOWN $

$—

DOWN %

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PROGRAM

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RATE

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TERM

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Future Rate Curve Applied
	TODAY	6 MONTHS	1 YEAR	2 YEARS	3 YEARS
RATE USED	—	—	—	—	—

Projection (Today vs. Waiting)
	TODAY	6 MONTHS	1 YEAR	2 YEARS	3 YEARS
PROPERTY VALUE	—	—	—	—	—
DOWN PAYMENT	—	—	—	—	—
LOAN AMOUNT	—	—	—	—	—
RATE	—	—	—	—	—

Payments (P&I, components, and totals)
PAYMENT DIFFERENCE	TODAY	6 MONTHS	1 YEAR	2 YEARS	3 YEARS
MONTHLY P&I	—	—	—	—	—
Taxes	—	—	—	—	—
HOI	—	—	—	—	—
MI	—	—	—	—	—
HOA	—	—	—	—	—
TOTAL (PITI + HOA)	—	—	—	—	—
MONTHLY DIFFERENCE vs. TODAY	—	—	—	—	—
ANNUAL DIFFERENCE	—	—	—	—	—

Equity from Waiting (Appreciation & Principal)
	TODAY	6 MONTHS	1 YEAR	2 YEARS	3 YEARS
PROPERTY APPRECIATION	—	—	—	—	—
PRINCIPAL REDUCTION	—	—	—	—	—

⬆ Property Appreciation

$—

⬇ Principal Reduction

$—

🚀 Three Year Difference

$—

in lost appreciation/
amortization

Additional Cash Required

6 Months	—
1 Year	—
2 Years	—
3 Years	—

Extra down payment needed in the future to keep the same down-payment percentage as today.

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Eddie Rosales

Sun West Mortgage Company, Inc.

Branch Manager

NMLS # 247465

Phone: (562) 284-1040

Email: [email protected]

Website: eddierosales.com

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