Calculators
Run the numbers before you run the race.
Honest calculators for the questions every buyer, seller, and investor asks. Pick the one that matches yours.
Today's average rates:Conventional 7.17%FHA 6.82%VA 6.84%national 30-yr averages, Nov 6
Monthly payment
What will this house actually cost each month?
The whole payment, not just principal and interest: taxes, insurance, and mortgage insurance across Conventional, FHA, and VA.
- Today's average rates built in
- Taxes, insurance, and MI included
- See the true cost of owning
How much can I afford?
What price range actually fits my budget?
Start from your income and debts, or from the monthly payment you want, with a comfort meter that shows the line between safe and stretched.
- From your income or a target payment
- HOA and condo fees included
- Comfort meter, not just a max number
Rent vs buy
Is buying actually worth it for me?
Keep renting and invest the difference, or buy and build equity: both futures priced honestly, side by side, including the year buying pulls ahead.
- Invest-the-difference math built in
- Any loan program, with down payment assistance
- An honest answer, either way
Compare two homes or loans
Which one actually costs less?
Line up two properties at different prices and HOA fees, or two loan setups, side by side: monthly cost, cash to close, and the true cost at your horizon.
- Two homes head to head
- FHA vs conventional, 15 vs 30, points vs none
- A clear winner at your timeline
Home equity & blended rate
How do I keep a low rate and cover the gap?
Compare a HELOC and a home equity loan with today's average rates, and see the blended rate across both loans. Built for assumable mortgage math.
- Assumable mortgage gap loans
- HELOC vs home equity loan
- Blended rate vs one new mortgage
Seller net sheet
What will I actually walk away with?
Itemized closing costs with the real transfer, recordation, and grantor's tax rates for every county and city in Maryland, DC, and Virginia, plus commission, payoffs, and prorations.
- Every MD, DC, and VA county and city
- Find your county by address
- Print it, share it, or email it to yourself
Keep or sell?
Should my next move keep the old house?
Moving up or downsizing: compare keeping your home as a rental against selling it, with your low rate priced as the asset it is.
- Both paths, side by side
- Monthly cost now vs wealth at year 10
- Works for downsizing too
Investment property
Does this deal actually pencil?
Buy and hold, BRRRR, or fix and flip. Full deal analysis free with no login, and email yourself the report when it's dialed in.
- Cash flow, cash-on-cash, cap rate
- BRRRR cash-out and flip profit math
- Free emailed report, no login
Numbers are a starting point. Let’s talk them through.
Every market and every situation is different. Tell Sean what you’re weighing and get a straight read, no pressure.
Calculator results are estimates for illustration only, based on your inputs and national average rates. They are not a quote, an appraisal, a pre-approval, or a commitment to lend.