Tools
Start with the question you have.
Explore financing for a home or investment property. Compare options and adjust the assumptions to understand the tradeoffs.
Check each tool's assumptions for the property and loan types it covers.
Buying a property
Before you start looking
What home price fits my budget?
Start with a monthly payment that works for you. See the home price and upfront cash behind it.
Figures shown assume a primary residence.
Affordability ExplorerBefore you start looking
What does a larger down payment change?
Compare your monthly payment, mortgage insurance, and the savings you would keep.
Figures shown assume a primary residence.
Down Payment ExplorerChoosing your loan
How do loan programs compare?
Explore payments, cash needed, and savings remaining across conventional, FHA, VA, and USDA loans.
Assumes a primary residence — FHA, VA, and USDA generally require owner-occupancy and don't apply to investment purchases.
Compare Loan OptionsBefore you make an offer
A lower price or help with closing costs?
See how the same seller concession changes your upfront cash and monthly payment.
Contribution limits shown assume a primary residence.
Price Reduction or Seller Credit?Refinancing or accessing equity
Before you refinance
What would refinancing change?
Compare keeping your loan, matching the remaining term, or starting a new 30-year term over your own timeline.
Rate assumptions shown are typical for a primary residence.
Refinance CalculatorIf you're using equity
How could I borrow against my equity?
Compare a cash-out refinance, home equity loan, and HELOC for the same cash goal.
Equity limits shown are typical for a primary residence.
Cash-Out & Equity CalculatorSee the assumptions, calculations, and limits behind each tool. Calculator methodology →
Not sure where to start?
Tell us what you're considering. We'll help you identify a useful next step.