Numbers
Run your numbers
Every calculator below runs at the current rate — 7.18% for a 30-year fixed (Freddie Mac Primary Mortgage Market Survey, November 5, 2026). One rate, everywhere on this site, so the payment here never contradicts the rate in the blog or the FAQ.
Verified example: $750,000 with 20% down at 6.5% for 30 years = $4,761/mo. At today’s 7.18%, the same home is about $5,033/mo.
Your inputs stay in the page address, so you can bookmark or share any calculation — copy the URL after changing a number. Estimates for planning only; a lender preapproval gives the exact figure for your situation.
Monthly payment
What would this home cost each month? Defaults to the current rate — 7.18% (Freddie Mac Primary Mortgage Market Survey, November 5, 2026).
Estimated total per month
—
| Principal & interest | — |
| Property tax (1.15%/yr) | — |
| Insurance | — |
| PMI (est., down < 20%) | — |
| HOA dues | — |
| Total | — |
Estimates for planning only. Tax is figured at 1.15 percent of price per year and insurance at $250 per month. Your actual tax, insurance, HOA dues, and rate will vary. PMI is estimated at 0.5% of the loan per year when the down payment is under 20% — your lender’s figure will vary.
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How much can I afford?
Based on the lender guidelines of 28% of gross income for housing and 36% for total debts. Rate defaults to the current 7.18% (Freddie Mac Primary Mortgage Market Survey, November 5, 2026).
Estimated max home price
—
| Monthly housing budget | — |
| Estimated monthly payment | — |
| PMI included (est., down < 20%) | — |
| HOA dues included | — |
Based on the standard lender guidelines of 28 percent of gross income for housing and 36 percent for total debts. A lender preapproval gives the exact figure for your situation. HOA dues reduce the monthly budget available for principal, interest, tax, and insurance. When the down payment is under 20% of the price, estimated PMI (0.5% of the loan per year) is also taken out of the budget — your lender’s figure will vary.
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Yazan will send your numbers to the email below — nothing else, no newsletter.
Rent vs. buy
Compares total rent paid — with a modest yearly increase — with the cost of owning and the equity you build over the same period. The rate is an input here (it used to be hardcoded) and defaults to the current 7.18% (Freddie Mac Primary Mortgage Market Survey, November 5, 2026).
Verdict
—
| Total rent paid | — |
| Monthly cost of owning | — |
| Principal paid down (equity) | — |
| PMI included (est., down < 20%) | — |
| HOA dues included | — |
Compares total rent paid, with a modest yearly increase, with the total cost of owning and the equity you build over the same period. It does not predict appreciation. Rent grows 3% per year in this comparison. When the down payment is under 20%, estimated PMI (0.5% of the loan per year) is included in the cost of owning — your lender’s figure will vary.
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Yazan will send your numbers to the email below — nothing else, no newsletter.
Selling: my net
Start with your expected sale price. Subtract your mortgage balance, the commissions you agree to pay, and closing costs such as escrow, title, and transfer fees. Commission is negotiable.
Estimated net proceeds
—
| Sale price | — |
| Mortgage balance | — |
| Commission | — |
| Other closing costs | — |
| Net | — |
Estimates for planning only. Commission is negotiable and closing costs vary.
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Yazan will send your numbers to the email below — nothing else, no newsletter.
Want these numbers checked against real homes?
A calculator gives you a range. Yazan gives you the homes inside it — or the price your home would actually list for.