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.
Free Buying Calculators
19 toolsHome affordability and closing cost tools. Browse our free buying tools below — no sign-up required.
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.
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.
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.
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 for the county and year you are modeling 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.
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.
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.
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.