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Home Buyer Calculators

We've helped over 0+ people achieve their dream of Home Ownership!

Clear answers. No sales pressure. Just the data you need to make the right move.

1. How Much House Can I Afford?

Updated for 2026 Rates

Your Financial Picture

Annual Gross Income

Monthly Debts

Down Payment

Comfort Level

Use 45% of income. Standard approval limit for most loans.

Comfortable Home Price

$0

Est. Monthly Payment: $0

*Estimates include Principal, Interest, Taxes, and Insurance.

Market Snapshot

Unlock inventory trends for your specific price range.

1.2M

Total Homes Available

United States Aggregate

49 Days

Avg Time on Market

National Average

+3.4%

Year over Year

Steady national appreciation.

2. Debt-to-Income Check

Lender's favorite metric

Debt-to-Income (DTI) Check

41.3% Ratio

Monthly Gross Income

Est. Mortgage / Rent

Other Monthly Debts

Car Pmt

Credit Cards (Min Pmt)

Student Loans (Min Pmt)

Other Debts (Monthly)

41.3%

Good

Acceptable for most conventional loans.

3. Rent vs. Buy

The 5-Year timeline test

Rent vs. Buy Analysis

Current Monthly Rent

Target Home Price

Time Horizon (7 Years)

After 7 years...

Renting costs $114,304

Comparison is based on rent sunk cost vs home appreciation wealth gain. This is a simplified "wealth delta" model.

4. VA Loan Guide

For Veterans & Active Duty

VA Loan Reality Check

See the real cost, including the VA Funding Fee.

Home Price

Down Payment

Interest Rate

Service-Connected Disability (10%+)

Usage Type

VA Funding Fee

Total Loan

Est. P&I Payment

5. Closing Costs & Down Payment Estimator

Total Cash to Close

Closing Costs & Down Payment Estimator

National averages typically range from 2-5% of the purchase price.

Loan Type & Strategy

FHA Strategy: Low down payment (3.5%), popular for first-time buyers.

Home Price

Down Payment

Est. Closing Costs (0.0%):$0

Down Payment:$12,250

Est. Prepaids:$0

Estimated Cash to Close

⚠️

Heads up: FHA loans require Mortgage Insurance Premiums (MIP) regardless of down payment.

📌 Important Note on Closing Costs:

These figures are estimates. Actual costs vary significantly by location and specific lender fees.

National Average: Typically ranges 3% - 4% of purchase price.
High Tax States (NY/NJ/CA): Can reach 5% - 6% due to transfer taxes.

Disclaimer: The calculations and results provided by these tools are for estimation and educational purposes only and do not constitute a commitment to lend or an offer of credit. Actual mortgage rates, payments, and qualification terms may vary based on your specific financial situation, credit history, and market conditions. Values such as property taxes, insurance, and HOA fees are estimates and should be verified. We recommend consulting with a qualified mortgage professional to verify these numbers and obtain a pre-approval tailored to your needs. This tool is not a substitute for professional financial or legal advice.