Your full monthly payment with taxes, insurance, HOA fees and PMI, not just principal and interest.
Home / Tools
Free toolsFree real estate calculators for Maryland, DC and Virginia.
Nine quick, private calculators for buyers, sellers and investors. Nothing you enter is saved or sent anywhere. The mortgage, affordability, closing cost, rent vs buy and assumable loan rates start at this week's national average, and you can change them to the rate your lender quotes you.
House Rule number 1
Never fall in love before you run the numbers.
Pick a calculator. Mortgage, affordability and VA payment results include taxes, insurance and HOA fees, not just principal and interest.
The interest rate fields start at this week's national average, for a 30 year fixed loan, from the Freddie Mac weekly survey dated . Change it to the rate your lender quotes you. Source
Behind the Walls · Lookup
Flood and Hazard Lookup
Type any US address. See the official flood zone, what it means for insurance, and the area's hazard ratings.
What you see
- FEMA's official flood zone, the one your lender uses
- Whether it is a high risk zone, where most mortgage lenders must require flood insurance
- The tract's rating for eighteen hazards from FEMA's National Risk Index
- Any live National Weather Service alerts
Free, no signup, nothing stored. Open the full lookup or see who to call about flood insurance.
The Investor Desk · Analyzer
Investor Deal Analyzer
Thinking about a rental, a BRRRR or a flip? Enter the price, loan, rent and costs, and see whether the numbers work before you make an offer.
What you see
- Monthly cash flow, cap rate and cash on cash return
- DSCR, the ratio many investor lenders check
- A 10 year projection, plus flip profit with the 70 percent rule
- A Jaxi Score out of 10 that sums up the deal
Free and private. Nothing you enter is saved. Results are estimates, not financial, tax, legal, or investment advice.
Estimated monthly payment
$0
Principal and interest$0
Property tax$0
Home insurance$0
HOA fees$0
PMI$0
Loan amount$0
Results are estimates for education only and are not financial, tax, or legal advice. Rates, taxes, and insurance vary. Confirm numbers with a licensed lender. Get a weekly tool walkthrough.
Estimated home price
$0
Monthly housing budget$0
Loan amount$0
Down payment0%
Limited byIncome
Results are estimates for education only and are not financial, tax, or legal advice. A lender's approval depends on credit, reserves, and loan type. Assumes a 30 year fixed loan. Mortgage insurance (PMI) is not included.
Estimated closing costs
$0
Lender fees$0
Title and settlement$0
Transfer and recording$0
Prepaid interest, taxes, insurance$0
Percent of price0%
Cash to close (with down payment)$0
Results are estimates for education only and are not financial, tax, or legal advice. Transfer taxes vary widely by state and city. DC, Maryland, and Virginia each have their own rates and buyer or seller splits. Your lender's Loan Estimate is the real number.
Over your stay, the cheaper choice is
Buying
Net cost of renting$0
Net cost of owning$0
Difference$0
Buying breaks even inYear 0
Assumes 3 percent buying costs, 6 percent selling costs, a 30 year fixed loan, and no tax deductions. Property tax, insurance and upkeep stay at today's dollar amounts while rent rises, and the renter invests only the upfront cash, not any monthly savings; both lean toward buying. Results are estimates for education only and are not financial, tax, or legal advice.
Monthly cash flow
$0
Cap rate0%
Cash on cash return0%
Net operating income (yearly)$0
Mortgage payment (monthly)$0
Cash invested$0
Rent as a share of price (monthly)0%
Results are estimates for education only and are not financial, tax, or legal advice. Cap rate is yearly net operating income divided by price. Cash on cash is yearly cash flow divided by the cash you put in. Assumes a 30 year loan.
Estimated monthly payment
$0
Principal and interest$0
Funding fee (rolled into loan)$0
Total loan amount$0
Taxes, insurance, HOA$0
Monthly mortgage insurance$0
Down payment due at closing (closing costs not included)$0
Funding fee rates: 2.15 percent first use, 3.3 percent for later use, reduced with 5 or 10 percent down, and waived if you receive VA disability compensation, and in a few other cases listed on VA.gov. Results are estimates for education only and are not financial, tax, or legal advice. Confirm with a VA approved lender.
Monthly savings by assuming
$0
Payment if you assume (plus any second loan)$0
Payment with a new loan, same cash in$0
Gap you must cover$0
Savings over your stay$0
Interest saved over your stay$0
Principal and interest only. The new loan scenario uses the same cash you would need for the gap as its down payment. Assumptions require lender approval and can take longer to close. Results are estimates for education only and are not financial, tax, or legal advice.
Paid off
0 years early
Interest saved$0
New payoff time0 years
Required monthly payment$0
Total interest without extra payments$0
Total interest with extra payments$0
Principal and interest only, no prepayment penalty assumed. Results are estimates for education only and are not financial, tax, or legal advice.
Estimated net proceeds
$0
Commissions$0
Closing costs and transfer taxes$0
Credits, repairs, and prep$0
Total selling costs$0
Net as a share of price0%
Results are estimates for education only and are not financial, tax, or legal advice. Commissions are negotiable. Transfer taxes and who pays them vary by state and city. Capital gains taxes are not included.
Coming soon
Short term rental incomeFlood insurance affordabilityRefinanceProperty taxMortgage recast
Every tool, in plain words
What each calculator answers.
Mortgage payment
Affordability
The price you can carry comfortably from your income, debts and down payment, using the budget rules lenders use.
Closing costs
Lender fees, title and settlement, transfer and recording taxes, and prepaid items. For exact county rates, use the closing cost calculator by county.
Rent vs buy
The net cost of renting against owning over the years you plan to stay, including what your cash could earn elsewhere.
Rental cash flow
Monthly cash flow, cap rate and cash on cash return for a rental, after vacancy, management and reserves.
VA loan
The VA payment with the funding fee rolled into the loan, and the down payment you need. Closing costs are extra.
Assumable loan
What you save each month by assuming a seller's low rate loan instead of taking a new one, with the gap paid in cash or financed.
Payoff
How much sooner you are mortgage free, and how much interest you keep, with an extra monthly or one time payment.
Seller net
What you walk away with after the payoff, commission, closing costs, concessions and prep.
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