Buying a Home
From pre-approval to closing.
- 1.Check what you can afford
- 2.Estimate the mortgage
- 3.Add closing costs
- 4.Model PMI
Real Estate Calculators
Rent vs buy, property tax, affordability and rental yield.
40 free real estate calculators — no signup, mobile-friendly, formulas verified by our editorial team.
Featured real estate calculators
Real Estate
1031 Exchange Calculator
Defer real-estate capital gains under IRC §1031: recognized boot, deferred gain, and carryover basis.
Real Estate
Appraisal Gap Calculator
Extra cash needed when the appraisal comes in below the purchase price.
Real Estate
Cash to Close Calculator
Certified funds needed at closing — down payment, closing costs, prepaids minus credits.
Real Estate
Home Selling Cost Calculator
Total US seller costs — commission, closing fees, prep and concessions — with % of sale price.
Real Estate
Property Tax Proration Calculator
Split annual property tax between buyer and seller by closing day using a 365-day proration.
Real Estate
Rent vs Buy Calculator
Compare total cost of renting vs buying over your holding period.
All real estate calculators
Real Estate
1031 Exchange Calculator
Defer real-estate capital gains under IRC §1031: recognized boot, deferred gain, and carryover basis.
Real Estate
Appraisal Gap Calculator
Extra cash needed when the appraisal comes in below the purchase price.
Real Estate
Cash to Close Calculator
Certified funds needed at closing — down payment, closing costs, prepaids minus credits.
Real Estate
Home Selling Cost Calculator
Total US seller costs — commission, closing fees, prep and concessions — with % of sale price.
Real Estate
Property Tax Proration Calculator
Split annual property tax between buyer and seller by closing day using a 365-day proration.
Real Estate
Rent vs Buy Calculator
Compare total cost of renting vs buying over your holding period.
Real Estate
Seller Net Sheet Calculator
Estimated cash to the seller after mortgage payoff, commission, closing costs and credits.
Real Estate
After Repair Value (ARV) Calculator
Estimate ARV from comps and the maximum allowable offer.
Real Estate
BRRRR Calculator
Cash left in the deal, refinance proceeds and post-refi cash flow.
Real Estate
Cap Rate Calculator
Capitalization rate from NOI and price, plus value at a market cap rate.
Real Estate
Cash-on-Cash Return Calculator
Annual cash yield on the actual cash invested in a rental deal.
Real Estate
Closing Costs Calculator
US home purchase closing costs — 2-5% of price.
Real Estate
Cost Segregation Calculator
First-year tax savings from accelerating depreciation with a cost seg study.
Real Estate
Debt Yield Ratio Calculator
NOI divided by loan amount and the maximum loan a lender will size.
Real Estate
Down Payment Calculator
Target home down payment and monthly savings plan.
Real Estate
Earnest Money Deposit Calculator
Recommended EMD amount by market conditions and offer strength.
Real Estate
Gross Rent Multiplier Calculator
GRM and the 1% rule screen for rental property pricing.
Real Estate
Home Affordability Calculator
Home price you can afford based on income and DTI.
Real Estate
Home Equity Calculator
Home equity and how much you can borrow.
Real Estate
House Hacking Calculator
Effective housing cost after rental income from other units.
Real Estate
Net Proceeds from Home Sale Calculator
Cash to seller at closing after mortgage payoff, commission and closing costs.
Real Estate
PMI Calculator
Monthly Private Mortgage Insurance based on LTV.
Real Estate
Property Appreciation Calculator
Future property value with annual appreciation.
Real Estate
Property Management Fee Calculator
Effective management cost including leasing, renewal and markup fees.
Real Estate
Property ROI Calculator
Cash-on-cash and total return on rental property.
Real Estate
Property Tax Calculator
Annual property tax from assessed value and rate.
Real Estate
Real Estate Commission Calculator
Listing- and buyer-agent commission split after the 2024 NAR settlement.
Real Estate
Real Estate Flip Profit Calculator
Fix-and-flip profit, cash-on-cash return and the 70% rule max offer.
Real Estate
Recording Fee Calculator
County recorder fees for deed and mortgage documents by page count.
Real Estate
Rent Affordability Calculator
Max monthly rent you can afford.
Real Estate
Rental Property Cash Flow Calculator
Monthly and annual cash flow, NOI and DSCR for a rental property.
Real Estate
Rental Property Depreciation Calculator
27.5-year straight-line depreciation, tax savings and recapture.
Real Estate
Rental Yield Calculator
Gross and net rental yield on investment property.
Real Estate
Seller Financing Calculator
Owner-financed note payment, balloon balance and total seller proceeds.
Real Estate
Short-Term Rental Income Calculator
Airbnb-style net income from nightly rate, occupancy and fees.
Real Estate
Tenant Turnover Cost Calculator
True cost of a turnover: lost rent, make-ready, leasing fee and concessions.
Real Estate
Transfer Tax Calculator
State + county deed transfer tax on a US home sale.
Real Estate
Triple Net (NNN) Lease Calculator
Base rent plus NNN charges with annual escalations over the term.
Real Estate
Vacancy Loss Calculator
Vacancy and credit loss, effective gross income and economic occupancy.
Real Estate
Wholesale Assignment Fee Calculator
Assignment spread between your contract price and a cash buyer's max.
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Real Estate
After Repair Value (ARV) Calculator
Estimate ARV from comps and the maximum allowable offer.
Real Estate
BRRRR Calculator
Cash left in the deal, refinance proceeds and post-refi cash flow.
Real Estate
Cap Rate Calculator
Capitalization rate from NOI and price, plus value at a market cap rate.
Real Estate
Cash-on-Cash Return Calculator
Annual cash yield on the actual cash invested in a rental deal.
Real Estate
Closing Costs Calculator
US home purchase closing costs — 2-5% of price.
Real Estate
Cost Segregation Calculator
First-year tax savings from accelerating depreciation with a cost seg study.
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What readers are opening most this week.
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Who should use these real estate calculators
Built for U.S. home buying and property investing decisions, with documented formulas and primary-source references.
- First-time buyers testing what price range is realistic
- Owners deciding between selling, refinancing or renting out
- Rental investors underwriting cap rate and cash-on-cash returns
- Anyone budgeting closing costs, property tax and insurance
Decision guides
Ordered calculator paths for the decisions this category supports.
Refinancing
Only refinance when the math clears the closing costs.
- 1.Price the new loan
- 2.Add the closing costs
- 3.Find the break-even month
- 4.Test cash-out vs a HELOC
Calculator comparisons
Side-by-side breakdowns when two tools answer nearly the same question.
Real Estate learning path
Start where you are. Each level builds on the tools above it.
Beginner
Find your price range and your true monthly cost.
Intermediate
Compare owning against renting and plan the cash needed at closing.
Advanced
Underwrite investment property like an operator.
Common real estate mistakes
What we see people get wrong most often — and the correction.
- Forgetting closing costs
- Budget 2–5% of the loan amount on top of the down payment (CFPB guidance).
- Using gross rent as income
- Underwrite vacancy, maintenance, management and capital expenditure before calling a deal cash-flow positive.
- Assuming PMI is permanent
- On conventional loans PMI generally ends at 78% LTV — model when that happens.
- Skipping the rent-vs-buy break-even
- Buying rarely wins below roughly a five-year hold once transaction costs are counted.
How we keep these calculators trustworthy
Editorial review, documented methodology and primary U.S. sources.
- Editorial policyWho writes and reviews our tools.
- Calculator methodologyHow each formula is chosen and documented.
- How we verify formulasKnown-answer tests against published examples.
- How we test accuracyAutomated regression suite on every release.
- Sources & referencesIRS, CFPB, SSA, HUD, VA, CMS, FDIC, FINRA, Treasury, DOL.
- Financial disclaimerEstimates for education, not financial advice.
Official Sources & References
The formulas, rates and definitions used by this calculator are aligned with the following official sources:
- U.S. Department of Housing and Urban Development (HUD) — Affordability ratios, FHA loan limits and housing-cost benchmarks.
- Consumer Financial Protection Bureau — Owning a Home — Mortgage, closing-cost and rent-vs-buy guidance.
- FHA — HUD Single Family Housing Handbook 4000.1 — FHA loan limits, MIP and LTV requirements.
- U.S. Department of Veterans Affairs — VA Home Loans — VA entitlement, funding fee and zero-down eligibility rules.
We use only primary sources — regulators, standards bodies and scheme operators. See our full sourcing policy for details. Sources & References Policy · Calculator Methodology · How We Verify Formulas