Home Buyer Toolkit
Run the numbers before anyone asks you to
Nine calculators built for first-time buyers. Each one shows its assumptions, explains what the result means, and links to the lesson that teaches the concept behind it — so you leave understanding the math, not just the answer.
Choose a calculator
Mortgage Payment Calculator
Estimate a full monthly housing payment including principal, interest, taxes, insurance, PMI and HOA dues.
Estimate My PaymentHome Affordability Calculator
Explore how income, debts, down payment, taxes, insurance and other assumptions can affect an estimated home-buying budget.
Calculate AffordabilityDebt-to-Income Ratio Calculator
See an estimated housing ratio and total debt-to-income ratio from the income and monthly debts you enter.
Calculate My DTIClosing Cost Calculator
Build an itemised estimate of loan costs, title and settlement charges, prepaid expenses and government fees.
Estimate Closing CostsCash Needed to Buy Calculator
Add up everything you may need in cash before, at and after closing — including moving, repairs and a reserve.
Calculate Cash NeededDown Payment Calculator
Compare 3%, 3.5%, 5%, 10%, 15% and 20% side by side: cash needed, loan amount and estimated payment.
Compare Down PaymentsPMI Calculator
Estimate monthly and annual private mortgage insurance, and see a payment with and without it.
Estimate PMIRent vs. Buy Calculator
Compare estimated cumulative cost of renting and buying over time, including upkeep, appreciation and selling costs.
Compare Renting and BuyingMortgage Comparison Tool
Put up to three mortgage scenarios side by side and see how down payment, term and rate change the numbers.
Compare ScenariosAmortization Schedule Calculator
See how each payment splits between interest and principal, year by year, and how the balance falls over time.
Build My ScheduleExtra Payment Payoff Calculator
Estimate how extra principal — monthly, yearly or a lump sum — could shorten a loan and reduce total interest.
See the SavingsProperty Tax & Insurance Escrow Calculator
Estimate the escrow part of a monthly payment — taxes, homeowners insurance, other required policies — plus the deposit collected at closing.
Estimate My EscrowRefinance Break-Even Calculator
Compare a current loan with a new one and estimate how long it takes for monthly savings to cover refinance costs.
Find the Break-Even
Learn first, then calculate
Every calculator links back into the course so a number never arrives without an explanation.
Browse the courseSave your scenarios
Create a free account to save scenarios privately, name them, and compare them later.
Create a free accountTrack the real steps
Pair your estimates with the home-buying checklist to see what to do next.
Open the checklist