 Also, if you're like most buyers, Mike, and you're moving from the house you're in right now to one that's more expensive, there will never be a better time to move up. Prices are expected to appreciate overall nationwide by about 4.8% over the next year, according to CoreLogic. If you're moving to a higher-priced home, it's going to wind up costing you more both in down payment and mortgage payment if you wait. Now, Mike, since you are thinking about downsizing, there is another side to this coin.