Calculators
Free tools to plan your path to homeownership
Every number here is an estimate for planning purposes — not a pre-approval, quote, or promise. Use them to explore scenarios, then confirm real numbers with a licensed lender.
Affordability
How much home can I afford, based on my income, debt, and down payment?
Mortgage payment
The full estimated monthly payment — principal, interest, taxes, insurance, PMI, and HOA.
Down payment
What a target down payment percentage means in dollars — and whether it avoids PMI.
Closing costs
An estimate of the fees due at closing, beyond your down payment.
Cash to close
Total cash needed at closing — down payment plus closing costs, minus credits or assistance.
Rent vs. buy
Compare your current rent to an estimated buy payment, and the equity buying could build.
Debt-to-income
What share of your income goes toward debt — a first checkpoint lenders use.
Buy now vs. wait
Compare buying today to waiting, under your own assumptions about price and rates.