Buyer Tools
These calculators help you think through the financial side of a home purchase before making any decisions. Use them to understand the numbers, not to replace a real conversation.
Rent vs. Own
Compares the long-term financial outcome of renting versus buying. Accounts for appreciation, equity, rent growth, and selling costs over your chosen time horizon.
Open CalculatorMortgage Payment
Calculates your estimated monthly payment based on purchase price, down payment, interest rate, loan term, taxes, insurance, and HOA fees.
Open CalculatorAffordability Estimator
A quick estimate of what price range you may qualify for based on your income, existing debt, interest rate, and standard qualification ratios.
Open CalculatorCost of Waiting to Buy
Shows the financial impact of delaying a purchase if home prices and interest rates continue to rise. Useful for understanding timing risk.
Open Calculator30 Year vs. 15 Year
Compares the payment, total interest paid, and equity buildup between a 30-year and 15-year fixed mortgage on the same purchase price.
Open CalculatorAdjustable Rate Comparison
Compares an adjustable rate mortgage with a fixed rate loan over time. Helps you understand when an ARM may make sense and when it adds risk.
Open Calculator2/1 Buydown
Analyzes a temporary interest rate buydown structure where your rate is reduced for the first two years. Shows payment savings and break-even analysis.
Open CalculatorAmortization Schedule
Displays a full payment-by-payment breakdown of principal, interest, and remaining balance over the life of your loan.
Open Calculator