ZMG Wealth Accumulator — Cost of Waiting Calculator

Location

LOCATION

Your Home Details

PURCHASE PRICE ($) DOWN PAYMENT (%) CONSERVATIVE RATE (1 YR) (%) HISTORIC RATE (1 YR) (%)

$10,500 3.0% of purchase price

Conservative Scenario

1-Yr Equity (Conservative)$12,250ROI: 116.7% of down payment+3.50%

5-Yr Equity (Conservative)$61,250ROI: 583.3% of down payment+17.50%

10-Yr Equity (Conservative)$122,500ROI: 1,166.7% of down payment+35.00%

Historic Scenario

1-Yr Equity (Historic)$30,030ROI: 286.0% of down payment+8.58%

5-Yr Equity (Historic)$150,150ROI: 1,430.0% of down payment+42.90%

10-Yr Equity (Historic)$300,300ROI: 2,860.0% of down payment+85.80%

Equity Growth Over Time

Conservative Historic

Amortization Tables

Conservative Model

Year	Appreciation	Equity Gained	ROI

Historic 10-Year Model

Year	Appreciation	Equity Gained	ROI

Cost of Waiting

This model assumes that if you buy today, you are eligible for a no lending cost refinance after 12 months into the same rate assumed to be available one year from now. This allows the comparison to isolate the true cost of waiting: higher home price, lost equity growth, and delayed principal reduction.

CURRENT PURCHASE PRICE ($) DOWN PAYMENT (%) TODAY'S INTEREST RATE (%) FORECASTED RATE IN 1 YEAR (%) HOME APPRECIATION (1 YR) (%) LOAN TERM

RECOMMENDED

Buy Now + No-Cost Refi

Wait 1 Year

Cumulative Interest Comparison

Period	Buy Now + No-Cost Refi	Wait 1 Year	Buying Now Saves

Buy Now + No Lending Cost Refi vs. Wait 1 Year

PURCHASE PRICE (TODAY) ($) DOWN PAYMENT (%) TODAY'S INTEREST RATE (%) NO-COST REFI RATE (MONTH 13+) (%) HOME APPRECIATION (1 YR) (%)

Note: The "Wait 1 Year" scenario automatically uses the same No-Cost Refi Rate above — ensuring both buyers receive the same future rate and the comparison fairly isolates only the cost of waiting.