Homebuyer calculators
Plan with real numbers before you make a move
Use these estimates to explore trade-offs and prepare better questions for a lender or advisor. Results are planning estimates — not approvals or loan offers.
- Nothing is saved
- Estimates, not offers
Start here
The three questions buyers ask first
What will it cost each month, what can I sensibly spend, and how much cash do I need on the day. Don't have a price in mind yet? Start with affordability. Already looking at a home? Start with the monthly payment.
Mortgage payment
Estimate principal, interest, taxes, insurance, mortgage insurance and HOA costs — the number that has to fit your month.
Estimate a paymentAffordability
Work from income, monthly debts and down payment toward a conservative planning price you can hold on to after closing.
Find your rangeClosing costs
Down payment, closing costs, prepaid items and escrow funding — the full amount due at the table, not just part of it.
Plan cash to close
More planning tools
When the question is a trade-off
Useful once the basics are in place — for deciding how much to put down, or whether the timing is right at all.
Down payment planner
Compare common down-payment percentages and what each does to your loan balance, mortgage insurance and monthly cost.
Compare optionsRent vs. buy
A simplified side-by-side of renting and owning over time, useful when the decision is about timing rather than price.
Compare over time
Everything runs in your browser. Actual loan terms, taxes, insurance, fees and eligibility vary by property, lender, borrower and program — confirm anything you intend to act on.
Once you have a number
Bring it to someone who can tell you what it means
A figure on a screen is a starting point. Debra can tell you what it changes about your search, and which parts belong to a lender instead.