Buy Now vs. Buy Later Analysis

Prepared by NV Homes

Buy Now vs. Buy Later

Model how home prices and interest rates may change over time to compare potential differences based on your assumptions.

Comparison Inputs

Define your starting point and future assumptions.

Section 1 — Buy Now

Purchase Price (Today)

Down Payment

Interest Rate (Today)

Loan Term

Section 2 — Buy Later

Years to Wait

Assumed Annual Price Change (%)

Future Interest Rate (%)

Monthly Rent During Waiting Period (Optional)

Future scenario assumes the same down payment percentage.

Section 3 — Financial Impact

Hypothetical comparison of loan amounts, cash flow, and net equity.

Buy Now Scenario

Price: $0

Total Loan Amount

(Inc. Est. Taxes, Ins. & PMI)

Buy Later Scenario

Future Price: $0

Total Loan Amount

(Inc. Est. Taxes, Ins. & PMI)

Price Difference	$0
Est. Cash to Close (Now)	$0
Monthly Payment Difference	$0

Projected Wealth Impact in 2 Years

Scenario A: Buy Now

Principal Paid (Before Purchase) $0

Home Appreciation (Before Purchase) $0

Total Equity $0

Scenario B: Wait

Principal Paid (Before Purchase) $0

Home Appreciation (Before Purchase) $0

Total Equity $0

Waiting scenario assumes no home ownership until purchase.

Estimated Cost of Waiting

(Equity Difference + Rent Paid, if entered)

This reflects the difference between buying today vs. waiting, using your assumptions.

DISCLAIMER: This comparison is provided for educational and planning purposes only. It does not constitute financial, investment, or mortgage advice. Actual outcomes may vary based on market conditions, lending guidelines, and individual factors. This is not a prediction of future home prices or interest rates.

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