Step 1 · Finance / Mortgage
Home Affordability
Estimate max monthly housing payment and home price from DTI and income constraints.
Start Here
Start Here: Buying a Home
A practical sequence to estimate payment, qualification range, and ownership costs.
Start with affordability and payment tools first, then test points and PMI assumptions before deciding how far to stretch your budget.
Use the ownership cost tools to sanity-check taxes, insurance, and recurring maintenance so your monthly plan reflects the full cost of ownership.
Recommended order
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Step 2 · Finance / Mortgage
Mortgage Payment
Monthly P&I, full payment estimate, and amortization summary for homeowners.
Step 3 · Finance / Mortgage
Mortgage Points
Compare no-points vs points scenarios with monthly savings, break-even timing, and horizon net savings.
Step 4 · Finance / Mortgage
PMI Drop-Off
Estimate PMI cancellation timing, total PMI paid, and payment impact with optional extra principal.
Step 5 · Ownership / Taxes / HOA
Property Tax
Estimate annual and monthly property tax with optional exemptions.
Step 6 · Ownership / Ownership Costs
Home Cost 30-Year
Estimate 5-year, 10-year, and 30-year ownership costs with a practical component breakdown.
Step 7 · Ownership / Ownership Costs
Insurance Estimator
Estimate low/base/high home insurance premium range from replacement value assumptions.
Step 8 · Finance / Mortgage
Rent vs Buy
Compare renting and buying outcomes at 5 and 10 years with equity and breakeven horizon.
Important Disclosures
This calculator provides planning estimates for educational purposes only. Verify all assumptions with licensed professionals before making financial, legal, tax, insurance, or construction decisions.
- For educational and informational purposes only; results are not personalized advice.
- This tool does not provide financial, tax, legal, investment, insurance, lending, or contractor advice.
- No warranty is provided for accuracy, completeness, merchantability, or fitness for a particular purpose.
- Outputs are estimates and may differ materially from real-world quotes, rates, fees, taxes, underwriting outcomes, and market conditions.
- Rates, terms, fees, eligibility standards, and regulations can change at any time and vary by location, property, credit profile, and provider.
- You are responsible for verifying all inputs and independently validating outputs before relying on them.
- Consult qualified professionals such as lenders, CPAs, attorneys, licensed insurance agents, and contractors before acting.
- Projections and historical trends are not guarantees of future performance or results.
- Use of this tool does not create an advisory, fiduciary, brokerage, legal, insurance, or client relationship.