REAL ESTATE WEALTH BUILDING TOOL
See what buying—and waiting—could mean for you.
Explore a purchase scenario, compare potential long-term growth, and understand the possible cost of waiting. Change any assumption to make the conversation yours.
01 / PURCHASE
Define your scenario
Use approximate figures for an educational first look. A lender can provide exact qualification and payment details.
Purchase scenario
Rate estimate: Defaults to the Freddie Mac national weekly average for a 30-year fixed mortgage (6.71% as of Sep 3, 2026) and updates weekly. This is an illustration—not a rate quote. Your actual rate and APR depend on your loan program, qualifications, points, property and lender terms. Obtain your rate from your lender. Source ↗
Appreciation & comparison
ESTIMATED MONTHLY PAYMENT
See the payment beyond principal and interest.
Enter estimated annual amounts from your lender, insurance professional, property listing or county records. Program fees are starting estimates and should be confirmed with your lender.
PRINCIPAL, INTEREST, TAXES, HOMEOWNERS INSURANCE AND MORTGAGE INSURANCE
$4,538estimated per monthAbout these assumptions
Interest rate: The default is the latest available Freddie Mac national weekly average for a 30-year fixed mortgage (6.71% as of Sep 3, 2026). It is an editable planning estimate, not a rate or loan quote. Actual interest rate and APR vary by loan program, borrower qualifications, points, property and lender terms; obtain your rate from your lender.
Property taxes: The 0.60% default is an editable planning estimate based on the purchase price. Actual property taxes vary by county, taxing area, assessed value and primary-residence status; verify the property’s taxes through county records or your lender.
Homeowners insurance: The 0.261% default is a planning estimate, not an insurance quote. Coverage needs and premiums vary by property, insurer, location, deductible and replacement cost; obtain a quote for the specific property.
Appreciation: The default uses Utah’s 4.9% 30-year annualized statewide FHFA result and can be compared with the conservative 2% and higher 6% scenarios. The Utah results update quarterly and currently run through Q2 2026. Historical performance is not a forecast or guarantee.
Alternative investment return: The 7% starting figure is a neutral illustration, not the return of a specific investment or index. Buyers can test lower or higher assumptions.
02 / WEALTH
Project your real estate position
Homeownership can build equity through appreciation and principal reduction. This illustration separates both sources.
REAL ESTATE VS. ALTERNATIVE INVESTMENT
What if the down payment were invested instead?
The comparison uses the same initial cash and your selected annual return. It does not include taxes, insurance, maintenance, transaction costs, rent changes, tax treatment, or investment fees.
03 / TIMING
Test the cost of waiting
Waiting can change more than the rate. Test the tradeoff between a lower future rate, a larger down payment, rising prices, and rent paid in the meantime.
BUY NOW VS. WAIT 12 MONTHS
Estimated difference from waiting
$51,131over the original 10-year horizon, including rent paid while waiting. A negative result means the selected waiting scenario projects a financial advantage.
YOUR NEXT STEP