Buying a home is not one calculation. It is a budget question, a deposit question, a loan-size question, and a cash-at-closing question, and they constrain each other: raise the deposit and the loan shrinks, stretch the price and the monthly payment and the cash needed both move with it.

The tools below take those apart one at a time. A common order is to find the price range first, then test what deposit that implies, then check the loan-to-value the deposit leaves, then add the costs that land on completion day. Each page shows its formula and the assumptions behind the figure.

Which tool answers what

Calculator	What it estimates
Mortgage Calculator	Estimate a fixed-rate mortgage payment with principal, interest, property tax, home insurance, PMI, and optional housing costs.
Home Affordability Calculator	Estimate a home price that may fit your budget, using income before taxes, current debts, rate, time to repay, ownership costs, and down payment.
Mortgage Affordability Calculator	Estimate the mortgage your income, debts, rate, term, and ownership costs may support.
Mortgage Qualification Calculator	Estimate a loan amount from your income before taxes, monthly debt payments, and the debt-share-of-income limits you enter. Not a lender decision.
Mortgage Down Payment Calculator	See your down payment as a percentage, the loan amount left to borrow, and the cash you need up front.
Loan-to-Value Calculator	Work out loan-to-value (LTV), the loan share of property value, from your loan amount and what the property is worth.
Combined Loan-to-Value Calculator	Add up every loan secured on the home to see combined loan-to-value (CLTV), the share of property value those loans cover.
Closing Costs Calculator	Add up the closing costs you enter to see the total cash you need at closing. Nothing is estimated for you.
Mortgage APR Calculator	Estimate a mortgage APR, the rate plus certain fees, from the loan terms and the fees you enter. Not a lender disclosure.
Rent vs Buy Calculator	Compare renting versus buying over your chosen years, including rent and home price growth.

Common questions

How much home can I afford?

Affordability tools work backwards from income, existing debt payments, the interest rate, and the term to a price range, rather than forwards from a price you already have in mind. Lenders apply their own limits on top, so an affordability estimate is a starting range to test, not a lending decision.

How much deposit do I need?

The deposit is whatever share of the price you are not borrowing, and it drives two other figures: the loan amount, and the loan-to-value ratio lenders price against. A larger deposit lowers both. The down payment calculator converts between a percentage and a cash amount at a given price.

What is loan-to-value and why does it matter?

Loan-to-value is the loan divided by the property value, expressed as a percentage. It matters because lenders band their rates by it, and because mortgage insurance is commonly required above a threshold. Lowering the loan or raising the deposit both lower the ratio.

What costs land on top of the deposit at closing?

Closing costs are the fees and prepaid amounts due at completion, separate from the deposit itself — lender fees, valuation, legal work, and prepaid tax and insurance among them. They are worth estimating early, because they are cash you need on the day and cannot borrow inside the mortgage.

Other decisions

What do I actually take home?

Income, Salary & Payroll

Estimate take-home pay, salary deductions, tax withholding, and employer payroll cost.

How do I manage or improve my existing mortgage?

Mortgage Management

See amortization, payoff, extra payments, recasts, points, and rate-adjustment scenarios.

Should I refinance or use home equity?

Refinance & Home Equity

Compare refinance options, break-even timing, equity access, HELOCs, and cash-out choices.

What will this loan cost me?

Loans & Borrowing

Estimate payment, APR, repayment schedule, and total loan cost.

How do I get out of debt?

Debt & Credit Cards

Plan payoff, minimum payments, balance transfers, consolidation, and debt ratios.

How will my money grow?

Saving, Investing & Retirement

Project compounding, investment growth, and retirement savings.