Estimate payments, affordability, refinance math, PMI, home equity, and other home-ownership decisions before you commit.
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Cards show what the calculator decides, the inputs it needs, and where the result should lead next.
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Compare monthly payments and isolate the signed old-balance repricing difference in simplified HELOC and cash-out refinance scenarios.
Decides
Winning option | Dollar difference | Break-even point
Compare fixed home-equity-loan payments with a stressed HELOC draw-and-repayment scenario.
Decides
Winning option | Dollar difference | Break-even point
Compare renovation cost, resale value added, financing cost, hold period, contingency, cash reserve, and lifestyle value before borrowing against home equity.
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project cost with buffer | value recouped | monthly payment
Decide whether to file a homeowners insurance claim by comparing payout, deductible, premium surcharge, claim-free discount risk, cash reserve, emergency severity, and self-pay runway.
Decides
insurer payout | premium cost | net filing benefit
Screen a fully funded securities-backed loan against a mortgage after collateral capacity, interest, realized-gain tax, modeled closing costs, and portfolio growth.
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Winning option | Dollar difference | Break-even point
Model a home equity consolidation payment and borrowing cost without claiming the tool knows the remaining payoff cost of current debts.
Decides
Winning option | Dollar difference | Break-even point
Estimate a fixed-rate mortgage payment and model how an entered extra principal payment changes payoff time and interest.
Decides
Monthly payment | Total interest | Payoff timing
Compare payments made under a simplified ARM scenario with a 30-year fixed mortgage over an entered timeline.
Decides
Winning option | Dollar difference | Break-even point
Estimate a conventional down payment, principal and interest, and user-entered initial PMI scenario.
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Monthly payment | Total interest | Payoff timing
Estimate FHA principal, interest, upfront MIP, and declining-balance annual MIP under HUD Mortgagee Letter 2023-05.
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Primary result | Risk note | Next action
Estimate interest-only draw payments, amortizing repayment payments, rate stress, and an illustrative CLTV limit.
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Primary result | Risk note | Next action
Estimate an illustrative home price using income, debts, rate, tax, insurance, and two entered planning guidelines.
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Required monthly amount | Projected gap | Target date
Estimate fixed home-equity-loan payments, interest, CLTV, and an illustrative amount-over-limit flag.
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Primary result | Risk note | Next action
Estimate declining-balance mortgage interest, balances, and payoff effects from an entered extra principal payment.
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Monthly payment | Total interest | Payoff timing
Estimate VA principal, interest, funding-fee exemption or financing, and a clearly qualified FHA comparison.
Decides
Primary result | Risk note | Next action
Compare keep, refinance-now, and user-entered wait scenarios using interest, transaction costs, ending balances, and a fixed hold period.
Decides
Winning option | Dollar difference | Break-even point
Build an illustrative buyer cash-to-close scenario from entered and disclosed assumptions.
Decides
Monthly payment | Total interest | Payoff timing
Estimate illustrative PMI cost and separate current-value LTV from original-value HPA thresholds and servicer conditions.
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Primary result | Risk note | Next action
Estimate front-end and back-end debt-to-income ratios for mortgage planning from entered income, housing costs, and monthly debt obligations.
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Primary result | Risk note | Next action
Calculate current-value LTV separately from original-value conventional PMI request and scheduled-termination thresholds.
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Primary result | Risk note | Next action
Estimate payment-only discount-point break-even for an entered mortgage term and explicitly report a no-saving scenario.
Decides
Winning option | Dollar difference | Break-even point
Estimate payment and interest changes after converting an entered lump sum to home equity, including recast-fee recovery.
Decides
Winning option | Dollar difference | Break-even point
Compare rent with homeownership over an entered horizon using insurance, maintenance, transaction costs, opportunity cost, and terminal equity.
Decides
Winning option | Dollar difference | Break-even point
Estimate nonnegative taxable value and flat-value, flat-rate property-tax arithmetic from user-entered local assumptions.
Decides
Primary result | Risk note | Next action
Compare principal-and-interest payments and total interest for entered 15-year and 30-year fixed-rate mortgage scenarios.
Decides
Monthly payment | Total interest | Payoff timing
Compare remaining interest and entered closing costs for equal-remaining-term fixed-rate mortgage scenarios.
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Winning option | Dollar difference | Break-even point
Estimate whether paying upfront to reduce a mortgage rate pays back through monthly savings.
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Winning option | Dollar difference | Break-even point
Compare monthly and true biweekly mortgage payments using the current average mortgage rate as an editable starting assumption.
Decides
Monthly payment | Total interest | Payoff timing
Estimate payoff time and interest savings from extra principal using the current average mortgage rate as an editable starting assumption.
Decides
Monthly payment | Total interest | Payoff timing
Separate payment break-even from five-year financing cost using entered closing costs and ending mortgage balances.
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Winning option | Dollar difference | Break-even point
A 1031 exchange defers capital gains tax on investment real estate if you reinvest fully into like-kind property — calculate deferred gain versus taxable gain if cash is kept out.
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Required monthly amount | Projected gap | Target date
Estimate appraisal-gap cash using the lower of contract price or appraised value and an entered LTV assumption.
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Required monthly amount | Projected gap | Target date
Estimate bridge-loan interest and signed equity using a user-entered bridge rate, timing, sale proceeds, and transaction costs.
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Required monthly amount | Projected gap | Target date
Calculate a rental property's cap rate — net operating income divided by purchase price — the standard metric for comparing deals.
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Required monthly amount | Projected gap | Target date
Estimate a simplified NOI-to-P&I coverage ratio while making lender-definition and threshold differences explicit.
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Required monthly amount | Projected gap | Target date
Calculate front-end and back-end DTI from entered gross income and monthly obligations without predicting approval.
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Primary result | Risk note | Next action
Estimate monthly escrow funding and a user-entered cushion scenario without claiming the cushion equals the initial closing deposit.
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Required monthly amount | Projected gap | Target date
Estimate purchase cash needs, the savings gap, and pre-mortgage DTI.
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Primary result | Risk note | Next action
Compare housing costs including HOA dues with a user-entered front-end budget guideline.
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Required monthly amount | Projected gap | Target date
Estimate signed home equity and current-value LTV without determining PMI cancellation or borrowing eligibility.
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Primary result | Risk note | Next action
Compare a higher home-insurance deductible quote with the current premium and cash reserve for one modeled claim.
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Required monthly amount | Projected gap | Target date
Estimate signed housing cash flow after entered rental income, expenses, vacancy reserve, and mortgage payment.
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Required monthly amount | Projected gap | Target date
Estimate 30-year P&I payments and simplified DTI under an entered mortgage-rate shock.
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Primary result | Risk note | Next action
Estimate rental cash flow and cash-on-cash return from entered income, expenses, debt service, and invested cash.
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Required monthly amount | Projected gap | Target date
Compare an entered county conforming limit with the loan amount and calculate the signed payment difference between two entered rates.
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Winning option | Dollar difference | Break-even point
Compare entered mortgage interest rates, point cost, monthly payment difference, and payment-only break-even.
Decides
Winning option | Dollar difference | Break-even point
Estimate reverse-mortgage proceeds using user-entered home value, mortgage balance, official principal-limit factor, expected rate, and costs.
Decides
Monthly payment | Total interest | Payoff timing
Estimate combined DTI using entered debts, 30-year second-home P&I, and a user-selected guideline.
Decides
Required monthly amount | Projected gap | Target date