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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.