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Timing your move

Move now—or wait?

Waiting can lower a future rate. It can also mean more rent, a higher home price, or a different equity position. Compare the whole tradeoff instead of betting on one number.

Default 30-year rate: 7.28% · As of 2026-10-01 · Freddie Mac PMMS
Your likely move

What would buying look like?

Start with estimates. The comparison matters more than perfect inputs.

This is a scenario—not a prediction.
Change calculation assumptions

Payments are principal and interest only. Taxes, insurance, mortgage insurance, HOA dues, maintenance, closing costs, and other ownership expenses are not included.

Your timing snapshot

Comparing your options

Buy-now P&I$0
Estimated price after waiting$0
Wait-scenario P&I$0
Rent paid while waiting$0
Home-price change while waiting
$0
Additional down payment at the same percentage
$0
Payment change in your hoped-for rate scenario
$0
Buying power today at your comfortable P&I
$0
Do not rely on one forecast

Three waiting scenarios

Every waiting scenario uses the same future home price and rent paid. Only the future mortgage rate changes.

Planning estimates only—not a prediction, appraisal, loan quote, financial recommendation, or guarantee. Appreciation and future rates are unknown. Compare actual selling costs and loan estimates before making a decision.