Personalized Tools

Prepare for homebuying and homeownership with these calculators, worksheets and checklists. These tools are intended to provide guidance and financial estimates. Please reach out to your lender for precise calculations.

Preparing for Homeownership

• Rent vs. Buy Calculator

  Understand the financial differences between renting and owning a home.

• Homebuying Budget Calculator

  Determine how much house works within your budget.

• Budget Worksheet

  Get a sense of how and where you’re spending your money so you can build a realistic monthly budget.

• Debt-to-Income Ratio Calculator

  Assess your financial readiness to buy a home.

• Housing Expense Ratio Calculator

  Determine how much of your monthly income goes into your monthly mortgage payment.

• Closing Day Checklist

  Help ensure the process of closing on your home purchase runs as smoothly as possible.

Finding the Right Home Loan

• Mortgage Amount Calculator

  Estimate how much mortgage you may be able to qualify for.

• Loan Comparison Calculator

  Compare loans and determine which is best for your housing goals. 

• Mortgage Worksheet

  As you interview lenders, this will help you identify the best lender and mortgage option for you.

• Fixed-Rate Mortgage Calculator

  Find out how much your monthly payment might be with a fixed-rate mortgage. 

• Adjustable-Rate Mortgage Calculator

  Find out how much your monthly payment might be with an adjustable-rate mortgage. 

• Fixed-Rate vs. Adjustable-Rate Mortgage Calculator

  Compare loan types and determine which is the right choice for you. 

• 15-Year vs. 30-Year Term Mortgage Calculator

  Compare how the term of your loan affects the monthly payment and total cost. 

Calculating the Costs of Buying a Home

• Down Payment Calculator

  Explore how much money you should put down on your home. 

• Private Mortgage Insurance (PMI) Calculator

  Find your monthly private mortgage insurance premium based on your down payment amount. 

• Closing Costs Calculator

  Determine how much you should expect to pay for closing costs. 

Owning and Refinancing a Home

• Home Equity Calculator

  Find out how much equity you have in your home.

• Extra Payments Calculator

  Learn how making extra payments affects your mortgage. 

• Home Maintenance Checklist

  Manage monthly and seasonal home maintenance tasks.

• Tax Savings Calculator

  Find out how much you can save on your taxes as a homeowner. 

• Refinance Calculator

  Determine if refinancing your mortgage makes sense for you. 

• Refinancing Cost Calculator

  Determine how much it will cost you to refinance your mortgage.