Move Now vs Wait 12 Months

Home price

Down payment %

Interest rate %

Loan term (years)

Monthly rent

Appreciation % (annual)

MOVE NOW

Buying today and holding for 12 months.

Monthly payment (PITI)

$—

Loan: —

Down payment

$—

—% of price

Equity after 12 months

$—

Estimated home value: —

Equity gained in 12 months

$—

Principal + appreciation

Total cash out (12 mo)

$—

Down payment + 12 payments (PITI)

Net cost to own (12 mo)

$—

Cash out − equity position

WAIT 12 MONTHS

Rent for 12 months, then revisit buying.

Rent paid (12 months)

$—

Rent × 12

Estimated price in 12 months

$—

Using your appreciation input

Extra down payment needed

$—

If price rises, same % down costs more

Head start you’d have by buying now

$—

Equity gained during the year

Net difference (12 months)

$—

Rent cost vs owning net cost

Break-even month

—

When owning’s net cost becomes ≤ renting

Quick takeaway

—

Owning net cost (12 mo)

$—

Rent cost (12 mo)

$—

Notes: This is a simplified snapshot. It includes estimated property taxes (0.75% of price) and homeowners insurance ($125/mo), but excludes maintenance and transaction costs (closing/selling). Those matter — this tool is meant to help you see the tradeoffs quickly.

Waiting feels safe — but is it?