Home Calculators
Buying a home starts with the numbers. These free tools give you a quick, realistic picture before you talk to a lender.
Mortgage Payment with Points: See your estimated monthly payment, including taxes, insurance, HOA, and PMI, and find out whether paying points to lower your rate is worth it for the length of time you plan to keep the loan.
How Much Can I Afford: Enter your income, debts and savings to see a comfortable price range and the top of your range, for Conventional, FHA, VA and Jumbo loans.
Rent vs. Buy: Compare the cost of renting with the cost of buying over the number of years you plan to stay, including appreciation, maintenance and selling costs.
Mortgage Payment with Points
Home and loan
Starts at the national average. Replace it with a lender's quote.
Pay points to lower the rate
Points to buyOne point usually costs 1% of the loan and lowers the rate about 0.25%. The drop varies by lender, so use your lender's pricing.
Other monthly costs
Starting values are examples. Taxes and insurance vary a lot by location, so replace them with real numbers. PMI only applies when the down payment is under 20%.
Is paying points worth it?
Compare point options
| Points | Rate | Principal & interest | Saves / mo | Upfront cost | Break-even |
|---|
Estimates only. This is not a loan offer, rate quote or commitment to lend. Starting rates are national weekly averages from the Freddie Mac Primary Mortgage Market Survey, based on conventional loans with 20% down and excellent credit. Actual rates, point pricing, taxes, insurance and fees depend on the lender, loan type, credit and property. Break-even uses payment savings against the upfront cost and ignores taxes and the time value of money. Ask your lender for a Loan Estimate.
Questions about these numbers or a home search?
Call or text David Lant at (845) 666-3473 or email dlant@stevensre.com.
How Much Can I Afford
Income and cash
28% and 36% are common guidelines. Lenders vary, and FHA and VA loans often allow higher limits.
Loan
Starts at the national average for this loan type. Replace it with a lender's quote.
Other costs
Starting values are examples. Taxes, insurance and closing costs vary a lot by location and lender, so replace them with real numbers. PMI only applies to conventional loans with under 20% down.
Questions about these numbers or a home search?
Call or text David Lant at (845) 666-3473 or email dlant@stevensre.com.
Estimates only. This is not a loan offer, rate quote or commitment to lend. Conventional rates are national weekly averages from the Freddie Mac Primary Mortgage Market Survey, based on loans with 20% down and excellent credit. FHA, VA and jumbo averages come from Mortgage Research Center, as reported by Fortune on Oct 20, 2026. Where a 15-year rate is not published for FHA, VA or jumbo, it is estimated by applying the conventional gap between 30-year and 15-year rates. Actual rates, taxes, insurance and fees depend on the lender, loan type, credit and property. FHA figures use the 1.75% upfront premium and annual premiums from the FHA schedule, applied for the full term. VA figures use the first-use and later-use funding fees, which most disabled veterans do not pay. The 2026 conforming loan limit is $832,750 in most areas (FHFA). A lender will review credit, income documents and savings before approving anything. Ask your lender for a Loan Estimate.
Rent vs Buying
Home and loan
Starts at the national average for this loan type. Replace it with a lender's quote.
Renting and owning assumptions
Upkeep is a percent of the home price each year. Cost to sell covers commission and closing. Return on cash is what a renter could earn on the money a buyer would put into the home.
Other costs
Starting values are examples. Taxes, insurance and closing costs vary a lot by location and lender, so replace them with real numbers. PMI only applies to conventional loans with under 20% down.
Questions about these numbers or a home search?
Call or text David Lant at (845) 666-3473 or email dlant@stevensre.com.
Estimates only. This is not a loan offer, rate quote or commitment to lend. Conventional rates are national weekly averages from the Freddie Mac Primary Mortgage Market Survey, based on loans with 20% down and excellent credit. FHA, VA and jumbo averages come from Mortgage Research Center, as reported by Fortune on Oct 20, 2026. Where a 15-year rate is not published for FHA, VA or jumbo, it is estimated by applying the conventional gap between 30-year and 15-year rates. Actual rates, taxes, insurance and fees depend on the lender, loan type, credit and property. FHA figures use the 1.75% upfront premium and annual premiums from the FHA schedule, applied for the full term. VA figures use the first-use and later-use funding fees, which most disabled veterans do not pay. The 2026 conforming loan limit is $832,750 in most areas (FHFA). The rent vs. buy comparison is simplified and leaves out taxes, deductions and several other costs. Ask your lender for a Loan Estimate.