Tools

Mortgage Calculators

Run the numbers before you talk to anyone. Our tools give you real answers fast.

How Much Home Can I Afford?
Found a Home? Get the Monthly Payment
2/1 Buydown Calculator
Seller Concession Calculator

How Much Home Can I Afford?

Enter your income and expenses to estimate your maximum home price.

Maximum Home Price—
Maximum Loan Amount—
Estimated Monthly P&I—
Total Monthly Payment (PITI)—
DTI Ratio—
Chat with an Advisor to Confirm →

Found a Home? Get the Monthly Payment

Get a full PITI estimate — principal, interest, taxes, insurance, PMI, and more.

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If unsure, defaults to 1.8%
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Conv: sets your down payment
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Defaults to 0.6% annually
Monthly Payment Breakdown
Loan Amount—
Principal & Interest—
Monthly Property Tax—
Monthly Insurance (HOI)—
PMI—
Total Monthly PITI—
Cash to Close Estimate
Down Payment—
Closing Costs (est.)$3,959
Escrow Reserves (3 mo tax + 15 mo HOI)—
Total Estimated Cash to Close—
Get My Personalized Quote →

2/1 Buydown Calculator

See how a seller-paid buydown lowers your payments in years 1 and 2.

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Defaults to 0.6% annually
Loan Amount—
Year 1 — Rate Reduced by 2%
Rate—
P&I Payment—
Total Monthly PITI—
Year 2 — Rate Reduced by 1%
Rate—
P&I Payment—
Total Monthly PITI—
Year 3+ — Full Note Rate
Rate—
P&I Payment—
Total Monthly PITI—
Seller Buydown Credit Needed—
Ask About Buydown Options →

Seller Concession Calculator

See how seller-paid concessions can cover your closing costs and reduce cash to close.

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Conv: affects max concession limit
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Closing Costs Breakdown
Lender Processor Fee$700
Lender Underwriting Fee$995
Attorney / Doc Prep$225
Appraisal Fee$700
Credit Report$130
Flood Cert$9
Title Courier Fee$25
Title Doc Prep$175
Title Recording Fee$300
Title Escrow Fee$350
Title Tax Cert$50
HOA Transfer Fee$300
Total Closing Costs$3,959
Concession Analysis
Requested Concession—
Max Allowed Concession—
Closing Costs Covered—
Remaining for Rate Buydown—
Cash to Close After Concession—
Talk Strategy with an Advisor →