Mortgage & Home Buying Calculators
The Housing Signal
Free, no-signup tools to help you plan a home purchase with confidence — estimate your monthly payment, see how much house you can afford, weigh renting against buying, and decide whether to refinance. Each one shows its math in plain language.
- Free to use
- No sign-up required
- Updates instantly
- Plain-English explanations
Plan your purchase
Mortgage Payment Calculator
Estimate your full monthly payment — principal, interest, taxes, insurance, HOA, and PMI — with a visual breakdown.
Open calculator →Home Affordability Calculator
Find the home price you can comfortably afford from your income, debts, and down payment using the 28/36 rule.
Open calculator →Down Payment Calculator
See the cash you need at 3%, 5%, 10%, 15%, or 20% — your resulting loan, and exactly when PMI applies.
Open calculator →Rent vs. Buy Calculator
Compare the true long-term cost of renting and buying, including equity and the opportunity cost of your cash.
Open calculator →Refinance Calculator
Check your monthly savings, your break-even point, and the lifetime interest difference of refinancing.
Open calculator →2026 MSHDA Income Limit Lookup
Filter 2026 MSHDA income and purchase price limits for all 83 Michigan counties, including targeted area splits.
Open lookup →More calculators are on the way — including an amortization schedule, closing costs, and real estate investing tools. New to all this? Start with our mortgage calculator guide or the first-time homebuyer guide.
Want Weekly Housing Signals?
Mortgage rates, affordability trends, and home-buying updates — explained in simple language.
Request UpdatesDone with the numbers? Here’s the software side. We keep a running list of the tools we actually recommend for landlords and buyers — with real prices, hidden fees named, and free tiers flagged where free is the right answer. See the recommended tools →
State down payment assistance guides
We publish verified, county-level income limits and program terms for the largest assistance programs in the country — figures read from each agency’s own current chart, with the effective date printed. Florida (Hometown Heroes) · Texas (TSAHC) · North Carolina (NCHFA) · Ohio (OHFA) · Michigan (MSHDA) · Maryland