Tap any ? button if you don't know what something means. Ask John's AI anything. No jargon — promise.
| Home Price | — |
| Down Payment | — |
| Loan Amount | — |
| Interest Rate | — |
| LTV Ratio | — |
| Total Monthly (PITI) | — |
| Month | Payment | Principal | Interest | Balance |
|---|
Only include minimum payments on things like car loans, student loans, and credit cards. Do NOT include rent — that goes away when you buy.
Enter your home price and income, and we'll show you how Conventional, FHA, and VA loans compare — payments, costs, and which saves you the most.
Want to know what you'd walk away with after selling? Enter your numbers below. No personal info needed — just math.
| Sale Price | — |
| Loan Payoff | — |
| Agent Commission | — |
| Title & Escrow (est.) | — |
| Transfer Tax (est.) | — |
| Repairs / Credits | — |
| Net to Seller | — |
Paying bi-weekly means 26 half-payments per year — equivalent to 13 monthly payments. That one extra payment annually shaves years off your loan and saves tens of thousands in interest.
| Loan Amount | — |
| Interest Rate | — |
| Monthly: payoff time | — |
| Bi-Weekly: payoff time | — |
Is buying actually cheaper than renting? We'll calculate the real break-even — including equity built, appreciation, and estimated tax savings.
| Total Rent Paid | — |
| Total Buy Cost (PITI + maint.) | — |
| Less: Equity Built | — |
| Net Cost to Buy | — |