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Mortgage & Home

Mortgage and home calculators cover the money decisions of buying, financing, owning, and selling a home, for buyers, current homeowners, and the agents who work with them. Start with the Mortgage Calculator for a full monthly payment including property tax, insurance, PMI, and HOA, or the Home Affordability Calculator to turn income, debts, and a down payment into a realistic price range under the 28/36 rule. Undecided renters can compare paths with the Rent vs Buy Calculator. Owners can test a refinance, weigh discount points, check payoff strategies with extra or biweekly payments, and see the true cost of ownership beyond the mortgage. The hub also covers the transaction itself: buyer closing costs and cash to close, seller net proceeds after payoff and commission, and how the real estate commission actually splits. Every tool shows its formula, states its assumptions, and runs tested decimal math.

Calculators

Mortgage Estimate your full monthly mortgage payment (PITI) including property tax, homeowners insurance, PMI, and HOA, plus total interest and an amortization schedule. Refinance See your new monthly payment, break-even point, and lifetime savings from refinancing, including discount points and rolling closing costs into the loan. Home Affordability Find out how much house you can afford from your income, debts, and down payment, using the standard 28/36 debt-to-income rules and full monthly housing costs. Rent vs Buy Compare the true total cost of buying versus renting over the years you plan to stay, including transaction costs, equity, appreciation, and opportunity cost. HELOC See how much you can borrow against your home equity at your lender's CLTV cap, plus the interest-only draw payment and the payment shock at repayment. Extra and Biweekly Mortgage Payoff See how much interest you save and how many years you cut off your mortgage by adding extra to each payment or switching to a biweekly schedule. Mortgage Amortization Schedule See the full month-by-month amortization table for a loan: how much of every payment goes to interest versus principal, and the balance as it falls to zero. Seller Net Proceeds Estimate what you walk away with after selling your home: your sale price minus the mortgage payoff, agent commission, closing costs, and transfer taxes. Buyer Closing Cost Estimate your buyer closing costs and total cash to close: your down payment plus lender fees, points, title, prepaids, and escrow setup, itemized. Real Estate Commission Calculate the total real estate commission on a home sale, how it splits between the listing and buyer sides, and the seller's net after the fee. Debt-to-Income (DTI) Calculate your front-end and back-end debt-to-income ratio and see where you fall against the 28/36 rule and the 43% qualified-mortgage line. How Much Can I Borrow Estimate the maximum mortgage you qualify for from your income, debts, and DTI limits, with the binding limit and the maximum home price it supports. FHA Loan Estimate an FHA loan payment including upfront and annual mortgage insurance (MIP), and see whether MIP lasts 11 years or the life of the loan. VA Loan Estimate a VA loan payment with the VA funding fee, including first-use versus subsequent-use rates, the disability exemption, and no mortgage insurance. Cash-Out Refinance See how much cash you can pull with a cash-out refinance at your lender's loan-to-value cap, your new monthly payment, and how it compares to your current loan. Mortgage Points See whether buying mortgage discount points is worth it: the upfront cost, your lower monthly payment, the break-even month, and your net savings. Rent Affordability Find a comfortable rent budget from your income using the 30 percent rule and the 50/30/20 framework, adjusted for your debts and savings goal. House Poor Risk See whether a home payment would leave you house poor: your monthly housing cost, the income share it takes, residual income after debts, and a plain verdict. True Cost of Homeownership Find the all-in monthly and annual cost of owning a home beyond PITI: maintenance, utilities, HOA, and the forgotten lines, versus the mortgage-only number. Property Tax Estimate your annual and monthly property tax from your home's value and your area's effective rate, with exemptions and a projection as assessments rise. Mortgage Recast See what a lump sum does to your mortgage payment after a recast, side by side with simply prepaying: new payment, interest saved, and which strategy wins. PMI Removal Find when PMI can come off your mortgage: the 80% request point and the 78% automatic termination under the Homeowners Protection Act, plus what waiting costs. Mortgage Payoff Pick the year you want to be mortgage-free and get the exact monthly payment that does it, plus the extra per month and the interest the plan saves. HELOC vs Cash-Out Refinance Compare borrowing against your home two ways: keep your mortgage and add a HELOC, or refinance everything at today's rate, with the repricing cost in the open. Buy Smaller, Retire Sooner Compare two home prices honestly: the full monthly carrying gap plus the down-payment gap, invested to retirement, in years of freedom.

Also useful here

These calculators live in another category but come up often in Mortgage & Home decisions.

House Hacking See how renting out the other unit or rooms offsets your mortgage: net rental income, the percent tenants cover, and your true out-of-pocket housing cost. Rent vs Sell Compare keeping and renting your home against selling now and reinvesting the proceeds, with a year-by-year wealth projection and the crossover year. Home Sale Capital Gains Estimate the 2026 federal tax on selling your primary home after the Section 121 exclusion: adjusted basis, taxable gain, and long-term capital gains tax.

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