Calculadora de Acúmulo de Patrimônio
Calcule como seu patrimônio imobiliário cresce ao longo do tempo.
Projected Equity
$173,710
Projected Equity vs Monthly Principal Paydown
Formula
## How Equity Builds Over Time Equity in real estate grows from two main sources: mortgage principal paydown and property appreciation. ### Formula **Future Equity = Future Property Value - Future Loan Balance** - Future Property Value = Current Value x (1 + Appreciation Rate)^Years - Future Loan Balance = Current Balance - Total Principal Payments ### Sources of Equity 1. **Initial equity** from your down payment 2. **Paydown equity** from each mortgage payment that reduces the principal 3. **Appreciation equity** from market value increases
Exemplo Resolvido
A $400,000 property with a $320,000 loan balance, $500/month principal paydown, 3% appreciation, held for 5 years.
- 01Current equity: $400,000 - $320,000 = $80,000
- 02Future property value: $400,000 x (1.03)^5 = $463,710
- 03Total principal paydown: $500 x 60 = $30,000
- 04Future loan balance: $320,000 - $30,000 = $290,000
- 05Projected equity: $463,710 - $290,000 = $173,710
- 06Equity from appreciation: $463,710 - $400,000 = $63,710
Perguntas Frequentes
How is equity different from cash?
Equity is the paper value of your ownership stake (property value minus debt). It is not liquid cash until you sell, refinance, or take out a home equity loan or line of credit.
Does making extra payments build equity faster?
Yes. Any extra payment applied to principal directly increases equity and also reduces future interest charges, accelerating the paydown further over time.
Can equity go down?
Yes. If property values decline, you can lose appreciation equity. In severe cases, you can be underwater (owe more than the property is worth), which happened to many homeowners in 2008-2011.