Buying calculators
23 free calculators. Nothing you type leaves your browser.
Works anywhere: you enter your own prices, rates and terms. United States and New York: built on US or New York rules, taxes or loan programmes.
Mortgage calculator
Monthly payment with principal, interest, property tax, insurance and common charges.
Open Works anywhereShould I rent or buy?
Compare the true cost of owning against renting over the years you plan to stay.
Open NYCNYC closing cost calculator
Estimate the mansion tax, mortgage recording tax and transfer taxes on a NYC purchase.
Open Works anywhere15-year vs 30-year mortgage
Compare the monthly payment, total interest and balance over time of a 15-year and a 30-year mortgage, and test investing the difference.
Open USARM or fixed-rate mortgage: which costs less?
Compare an adjustable-rate mortgage with a fixed-rate loan using your own caps, margin and index path, including the worst case.
Open NYCDo I qualify for NYC HomeFirst down payment help?
Check NYC HomeFirst rules (120% AMI, first-time buyer, price limits, 3% own funds) and estimate your forgivable loan and cash gap.
Open USFHA loan calculator
Monthly FHA payment with the 1.75% upfront premium, HUD’s annual MIP rate, taxes, insurance and HOA, plus how long MIP lasts.
Open USHow long will it take to save for a down payment?
See how many months until you can cover a down payment and closing costs, or how much to save each month to buy by a date.
Open USHow much are closing costs?
Itemize buyer closing costs by Loan Estimate section, with prepaid interest, escrow deposit, credits and your cash to close.
Open USHow much does a 2-1 buydown cost and save?
Cost and year-by-year savings of a 3-2-1, 2-1, 1-0 or custom temporary buydown, plus a seller concession limit check.
Open USHow much house can I afford?
Find the highest home price your income supports under the 28/36 rule of thumb and Fannie Mae’s 36%, 45% and 50% debt-to-income limits.
Open USHow much is PMI, and when does it go away?
Estimate monthly private mortgage insurance and the dates you can cancel it at 80% or it ends automatically at 78%.
Open NYCHow much NY mansion tax will I owe?
The buyer-paid New York mansion tax and NYC supplemental tax on a home purchase, with the price cliffs at each bracket.
Open NYCHow much NYC mortgage recording tax will I pay?
NYC and NYS mortgage recording tax by loan size and property type, with CEMA savings and the $500,000 rate cliff.
Open USIs assuming a mortgage worth it?
See the monthly savings from taking over a seller’s low-rate FHA, VA or USDA loan, including the second loan or cash you need to cover the gap.
Open New YorkIs my loan conforming or jumbo?
Check your loan against the 2026 FHFA conforming loan limits for 1–4 units, including NYC metro, and see the down payment needed to stay conforming.
Open Works anywhereMortgage amortization schedule
See every payment split into principal and interest, your payoff date, and how extra payments shorten the loan. Download it as CSV.
Open USShould I buy mortgage points?
Compare up to three point or lender-credit quotes: upfront cost, monthly savings, simple and true break-even, and net savings by year.
Open USUSDA loan calculator
Monthly USDA payment with the 1% upfront guarantee fee, the 0.35% annual fee by year, property tax and insurance.
Open USVA loan calculator
Monthly VA loan payment with the current VA funding fee for purchases, cash-out refinances and IRRRLs, including exemptions.
Open USWhat is my debt-to-income ratio?
Add your income and monthly debts to get your front-end and back-end DTI, see how it compares with Fannie Mae limits, and how much to pay down to qualify.
Open USWhich mortgage offer is cheaper?
Compare two or three Loan Estimates by total cost over the years you expect to keep the loan, and see when the cheapest offer flips.
Open NYCWill I pass the NYC co-op board financials?
Check your debt-to-income ratio, post-closing liquidity and down payment against strict, typical and lenient co-op boards.
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