Payment & Closing Costs

Estimate your monthly payment and total cash needed to close, including lender fees, title, prepaids, and transfer taxes.

Affordability

Enter your budget and down payment to find the maximum home price that fits.

Quick Qualifier (DTI)

Check if your debt-to-income ratios pass FHA and Conventional guidelines.

Recast Calculator

See your new monthly payment after making a lump-sum principal reduction.

Break-Even

Compare two interest rates and find out how long it takes to recoup the buydown cost.

Temporary Buydown

Calculate the cost and savings of a 3-2-1, 2-1, 1-1, or 1-0 temporary buydown.

Faster Payoff

Add extra toward principal each month and see how much time and interest you save.

Amortization Comparison

Compare two loans side by side with month-by-month balance tracking and total interest analysis.