Home affordability and closing cost tools. Browse our free buying tools below — all calculators are instant, accurate, and require no sign-up.
Bidding War Budget Calculator — Calculate your maximum bid in a bidding war based on DTI limits, appraisal gap cash, and risk tolerance. Know your ceiling before competing.
Buy Now vs Wait Calculator — Compare the total cost of buying a home today versus waiting N months with projected price appreciation and interest rate changes. Make a data-driven decision.
Commute Cost Impact Calculator — Calculate annual commute cost by distance, work days, and IRS mileage rate. Add commute expenses to your housing cost for a true cost-of-living comparison.
Earnest Money Calculator — Calculate the typical earnest money deposit (1-3% of offer price), understand forfeiture risks, and see how it credits toward your down payment at closing.
Down Payment Assistance Calculator — Calculate how DPA grants, forgivable loans, and second mortgages reduce your cash to close. See updated down payment and closing cost requirements.
FHA Loan Limit Calculator — Check FHA loan limits for your county. Enter the home price and down payment to see if your loan falls within FHA limits and estimate your MIP costs.
First-Time Buyer Savings Planner — Plan your path to homeownership. Calculate how much to save each month to reach your down payment goal based on your target price, timeline, and savings rate.
Gift Funds Calculator — Calculate how gift money from family reduces your down payment gap. Check LTV, PMI impact, and lender gift fund rules for FHA, VA, and conventional loans.
Home Inspection Cost Estimator — Estimate your home inspection cost based on square footage plus optional add-ons for radon, mold, termite, sewer scope, and other specialized inspections.
Homeowner Insurance Estimate Calculator — Estimate your annual homeowner's insurance premium based on dwelling coverage amount, deductible, location risk, and credit tier for accurate budgeting.
Jumbo Loan Threshold Calculator — Compare your loan amount to the conforming limit ($766,550 for 2025) to determine if you need a jumbo loan. See rate differences and qualification requirements.
Market Timing Calculator — Model home price growth and interest rate forecasts to see the total cost difference of delaying your purchase by months or years. Quantify timing risk.
Neighborhood Comparison Calculator — Compare up to 3 neighborhoods side by side on home price, property tax, HOA, insurance, commute cost, and school rating to find the best value area.
Offer Price Strategy Calculator — Compare asking price vs comparable sales, days on market, and market trends to calculate a competitive offer range for any home purchase.
New Construction vs Resale Calculator — Compare the total cost of buying a new-build home (base + lot + upgrades) versus a resale home (price + renovation). Find which option is more cost-effective.
Property Tax Estimate Calculator — Estimate annual property tax from your assessed home value and local mill rate. See the monthly escrow amount for PITI budgeting and compare tax jurisdictions.
School District Premium Calculator — Calculate the price difference between homes inside and outside a top-rated school district. See the annual cost of the premium on your mortgage payment.
USDA Loan Eligibility Calculator — Check your USDA loan eligibility by comparing household income to 115% of the area median. See zero-down payment benefits and guarantee fee estimates.
VA Loan Eligibility Calculator — Estimate your VA loan entitlement, maximum no-down-payment loan, and funding fee. See how service type and usage history affect your VA home-buying power.