[thehappypm]

Scenario 2: 400k house, 20% down, 30yr/7% = 320k loan, $2129 payment. You save $20k cash, which covers your increase in payment for ~4 years. By then maybe you can refinance back to Scenario 0.

[hahla]

Back down to 3% that’s a stretch, historical rates average 5%+. But you’re right, however no one can predict the future.