Free Tools for Buyers and Sellers

Mortgage and Home Affordability Calculators

Estimate a monthly payment, see how much home fits your budget, compare loan types, and plan the timing of a sale and purchase. When you are ready for real numbers, our team can help you take the next step.

Mortgage Payment Calculator

Estimate your monthly principal and interest, plus taxes and insurance, for any price, down payment, and term.

Home Affordability Calculator

See roughly how much home your income and monthly debts may support before you start shopping.

Conventional Loan Calculator

Estimate a payment on a conventional loan, including the effect of private mortgage insurance when it applies.

FHA Loan Calculator

Estimate a payment on an FHA loan, including upfront and monthly mortgage insurance.

Down Payment Assistance Calculator

See how an FHA loan paired with a down payment assistance second mortgage could affect your monthly payment and cash to close. Program availability and terms vary, so ask a lender which programs you may qualify for.

Buy First or Sell First?

Already own a home? Compare the costs and tradeoffs of buying your next home before or after selling your current one.

Downsizing Calculator

Thinking about a smaller home or a 55+ community? Estimate what a move could mean for your monthly costs and equity.

Getting the Most From These Calculators

  • Use them to compare scenarios, not as a final answer. Your actual rate, payment, and costs depend on your credit, income, loan program, and the property.
  • Include property taxes, homeowners insurance, and any HOA dues for a realistic monthly payment.
  • Military buyers may also qualify for VA financing, and some rural areas may qualify for USDA loans. Ask a lender which programs fit you.
  • Get pre-approved before you make an offer so sellers know you are ready.

Calculator results are estimates for educational purposes only and are not a loan offer, rate quote, or commitment to lend. Loan approval and terms are subject to underwriting and program guidelines.

Ready for Real Numbers?

Talk with our team about your plans. Our affiliate Quikhome Mortgage Lending can provide a personalized quote, or you are welcome to use any lender you choose. Hablamos español.

Quikhome Mortgage Lending, LLC, NMLS #2063359, is affiliated with Nance & Associates, Realtors. You are not required to use Quikhome Mortgage Lending, LLC as a condition of buying or selling a home.