Free Tools
Mortgage & Homebuying Calculators
Helpful tools to explore what you can afford, compare financing options, and make smarter home and real estate decisions.
Which mortgage calculator should I use?
Start with affordability to explore a budget, compare payment scenarios when weighing loan options, and use the Cost of Waiting Calculator to test timing assumptions. Include taxes, homeowners insurance, mortgage insurance, HOA dues, closing costs and a cash reserve when comparing a real purchase.
Calculations are educational estimates. Home prices, interest rates and future costs can move in either direction. A calculator result is not a loan offer or an approval.
FHA loans · VA loans · USDA loans · Discuss your assumptions with our team
Put the numbers in context
On From Rents to Roots, Grace Laubenthal discusses monthly-payment tradeoffs in Utah and Iowa, while Ryan Harding and guests discuss family support, grants and credit. Use these conversations to prepare questions; historical program details and individual experiences do not establish current availability or your eligibility.
Calculators
Home Sale & Next Home Calculator
Estimate sale proceeds, your next down payment and complete monthly payment. Compare three sale prices.
Open CalculatorHome Affordability Calculator
Estimate how much home may fit your income, debts, and monthly budget — and what that payment could look like.
Open CalculatorHourly Income Calculator
Think in hourly pay? See what your hourly wage could mean for your home-buying power and monthly payment.
Open CalculatorPayment Scenario Comparison
Compare monthly payments across different price points and financing scenarios, side by side.
Open CalculatorRent vs. Buy Calculator
See two financial futures side by side and compare what continuing to rent and buying could each look like over time.
Open CalculatorMortgage Buydown Calculator
Compare a permanent rate buydown with a temporary one, and see how long each takes to break even.
Open CalculatorCost of Waiting Calculator
See how waiting to buy could affect the home price, the payment, and the rent you pay along the way.
Open CalculatorReal Estate Investment Calculator
Compare a rental property investment with investing the same money in the stock market, including equity, cash flow, appreciation and potential tax benefits.
Open CalculatorBlended Rate Calculator
Combine more than one interest rate into a single effective rate — useful when weighing a refinance or paying off debt.
Open CalculatorNot sure where to start?
These aren't calculators — they're quick ways to get a personalized answer.
Calculator results are educational estimates only — not a loan approval, a rate lock, or tax advice. Program availability and approval depend on credit, income, assets, property type, occupancy, and underwriting approval.