Guided Planner Journey

Homebuying Path

The Homebuying Path guides you through the essential decisions when buying a home. Start with the Mortgage Affordability Calculator to see what price range your income and debts support. Then price the exact loan with the Mortgage Calculator, including PITI and HOA. Next, use the Down Payment Calculator to see how your down payment affects PMI and cash to close. Then, estimate state-level settlement fees, title insurance, and cash to close with the Closing Cost Calculator. Compare long-term wealth building with the Rent vs Buy Calculator. Finally, once you're a homeowner, the Refinance Calculator tells you when a new rate is worth the costs.

  1. 1 Mortgage Affordability Calculator Size your purchase price from income, debt, and down payment.
  2. 2 Mortgage Calculator Price the exact monthly payment (PITI + PMI + HOA).
  3. 3 Down Payment Calculator Optimize your down payment, PMI removal point, and cash to close.
  4. 4 Closing Cost Calculator Estimate buyer closing costs, title fees, and cash to close by state.
  5. 5 Rent vs Buy Calculator Compare renting vs. buying to find your break-even horizon.
  6. 6 Refinance Calculator Compare your current loan to a refinance to find real savings.
Start with Mortgage Affordability Calculator →

Every journey is free, private, and runs entirely in your browser — no account or signup required.