YOUR MORTGAGE TOOLKIT
A clearer path to your next home
Explore your price range, compare renting with buying, and understand the cost of a mortgage before you commit.
Start with a price range
Enter income, existing debt, and a down payment to see how the selected housing ratios constrain a purchase. Include taxes, insurance, and HOA dues.
Home Affordability Calculator →Compare the whole timeline
Rent and a mortgage payment are only part of the comparison. Change the holding period, maintenance costs, appreciation, and the return on savings to see which assumptions move the result.
Rent vs Buy Calculator →Explore paying down the loan
Already own a home? Compare extra principal payments with the cost of refinancing. Extra payments reduce a balance earlier; refinancing replaces the loan and may add costs.
Mortgage Extra Payment Calculator →A worked example
On a $12,000 balance at 0% with 12 months remaining, the scheduled payment is $1,000. Adding $200 per month clears it in 10 months. Interest savings are zero because the original loan charges no interest; the benefit is an earlier finish.
Further reading: CFPB: mortgage prepayment penalties
Explore the full toolkit
Mortgage Extra Payment Calculator
See how extra principal payments change your payoff date and total mortgage interest.
Mortgage Refinance Breakeven Calculator
Find out how many months it takes to recover your closing costs, and whether a lower rate actually saves you money once the term resets.
Rent vs Buy Calculator
Compare renting against buying on net cost, counting the return a renter earns by investing the down payment instead of spending it.
Home Affordability Calculator
Find the most expensive home your income supports, and see which lender ratio is actually limiting you — income or the debt you already carry.