We are kind of extreme savers, but poor investors. Collectively save about 12% monthly in our retirements, but have socked away a lot more for a home, continuing education, rainy day, etc. that most here would scold us for not investing.
We are looking into building a home, using a construction loan with an upfront closing. We have about $225,000 earmarked to put down. My question is: would we be wise to put down the minimum up front, stick the remainder in a 5% money market fund (this money needs to be almost assured as safe, so something higher yield with risk of loss is not an option) and let it ride there until the home is done. Then lump-sum pay toward the principal and pay for a recast to put the payments back where we initially wanted them?
I know the best financial approach is always to put down the minimum and invest, but we are 100% focused on achieving the smallest possible payment.
If we were to simply purchase a home in the market, is it likewise good advice to choose a downpayment that secures the best rate, then immediately pay in on the principal and recast to set the payments bs k where you wanted them? Some of our local lenders really penalize us for the large downpayment, so if I can cheat that system, I’m all about it.
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>building a home, using a construction loan with an upfront closing.
Just curious, does this lock-in the costs of materials? What happens if the construction costs do go as they estimated?
I ask because, “lumber prices increased 114 percent over the 12 months ending in May 2021”. This brings to light the fluctuation of pricing in building cost.
[https://www.whitehouse.gov/cea/written-materials/2021/09/09/housing-prices-and-inflation/](https://www.whitehouse.gov/cea/written-materials/2021/09/09/housing-prices-and-inflation/)
You may find these links helpful:
– [“How to handle $”](/r/personalfinance/wiki/commontopics)
– [Investing](/r/personalfinance/wiki/investing)
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Not familiar with construction loans, Would it start accruing interest before the house is finished? If so, and of that interest rate is more than 4% or so (HYSA minus taxes), then it may be cheaper to pay more up front. You’d lose liquidity though, but that might not be relevant if you have a ton of other cash.
ETA: the general advice to put down the minimum and invest the rest only applies when you can afford the larger minimum payments and when you’d invest in something that earns more than your mortgage APR. This is easy for people with 3-5% APRs who are comfortable investing in broad index funds. Harder for someone with a 7-8% APR who is not comfortable with the risk of the market.
Once this is all said and done you should evaluate your position and understand why you’re risk averse with the market. If you have a small monthly payment and a lot of cash saved up for emergencies, that should free you to invest any other cash to earn a much higher long-term return. Yes there’s higher short-term volatility but you don’t need to care about that when you’re sitting on a pile of cash for emergencies.
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