What are you trying to figure out?

Pick the question that is closest to yours. Every tool shows the estimate first—no account, address, or credit check required.

Buying a home

What can I buy?

Work backward from your budget, cash, or target payment.

Monthly paymentEstimate principal, interest, taxes, insurance, and PMI.How much can I afford?Turn income, debts, and cash into a practical price range.Pre-approval scenarioModel a likely maximum loan before a formal pre-approval.Down paymentCompare cash needed and payment tradeoffs at different down payments.Closing costsEstimate the cash that may be due beyond the down payment.Rent vs. buyCompare the longer-term cost of renting and owning.Debt-to-incomeSee where your current monthly obligations put your DTI.

Using home equity

What can my equity do?

Compare the cost of keeping or replacing your current mortgage.

Home-equity optionsEstimate accessible equity and compare a HELOC with cash-out refinancing.HELOC paymentModel interest-only and later repayment payments on a credit line.Cash-out refinanceEstimate available cash and the resulting new mortgage payment.

Improving a mortgage

Is a new structure worth it?

Test whether a new structure creates real savings.

Refinance break-evenCompare payment, total cost, and the time needed to recover closing costs.15-year vs. 30-yearCompare payment pressure with lifetime interest savings.Extra paymentsSee how additional principal changes payoff time and interest.

Specialized scenarios

Does my scenario pencil?

Run program-specific or investment-property numbers.

Investment cash flowStress-test rent, expenses, cash flow, cap rate, and DSCR.Jumbo affordabilityEstimate a high-balance purchase range from income and reserves.FHA mortgage insuranceEstimate upfront and monthly FHA mortgage insurance.VA funding feeEstimate the VA funding fee by use and down payment.

Calculator results are estimates for planning, not a loan approval, commitment, rate lock, or Loan Estimate.