Real Estate Calculators Online

Written by Bill MacDonaldApril 28th, 20234 minute read

This page will lead you to a variety of home loan calculators for home buyers, sellers, mortgage brokers, and bankers, including loan estimate calculators.

These web tools will easily estimate buyer and seller closing costs. The free online calculators are made available to you as a self-help tool for illustrative use only. Examples are hypothetical.

We can not and do not guarantee the applicability or accuracy in regards to your individual circumstances. We encourage you to seek personalized advice from qualified professionals.

1. Buyer cost estimate for Pennsylvania

Pennsylvania home buyers, real estate agents, and even loan officers can easily and accurately estimate the down payment and closing costs for an FHA, VA, USDA, and conventional home loan.

2. Buyer cost estimate comparison for Pennsylvania

This loan estimate is similar to the buyer cost estimate above with one big difference, the format allows you to compare two loan offers/scenarios side by side. Compare two FHA loans, two conventional, USDA, or VA loans. Mix or match.

3. Seller cost estimate and net proceeds for Pennsylvania home sellers

Pennsylvania home sellers and real estate agents can easily and accurately estimate the closing costs for a home sale. The home sale calculator will also "reverse" calculate.

For example, if the seller desires to net a certain amount, the calculator will recalculate the closing costs to achieve the desired net proceeds. Great tool for offers and counteroffers!.

4. Listing and home sales price calculator

How much are you going to sell your home for? Use the listing calculator to estimate the closing costs and your net proceeds before putting your house up for sale.

5. FHA loan and payment calculator

The best FHA loan calculator on the web! Easily estimate the FHA mortgage payment with taxes and insurance for all 50 states and U.S. territories. The calculator will also estimate jumbo FHA loans. Find the lowest FHA interest rate too!

6. VA home loan calculator

The VA home loan calculator will estimate the VA loan amount and funding fee. The calculator will also estimate jumbo VA loans.

7. USDA home loan calculator

Did you know that a USDA home loan does not require a down payment? That's right, zero down, 100% financing. The USDA calculator will estimate the mortgage amount and monthly loan payment.

8. Credit card utilization calculator

Easily estimate the per-card and overall credit card ratio percentage for up to 20 accounts.

9. Conventional 97 loans versus FHA

Recently, the Federal National Mortgage Association (Fannie Mae) lowered the minimum down payment to 3% for qualified first-time home buyers. But is it a good program? Is it better than an FHA home loan? Use the comparison calculator and see for yourself.

10. Debt to income calculator

Lenders use a simple calculation to compare the amount of monthly income to monthly debt. The ratio between income and debt is called debt to income. The debt to income calculator will estimate the "ideal" monthly loan payment based on income and debt.

11. Discount points calculator

Just how much are discount points? Paying "points" on a loan can actually save you money. The points calculator will estimate the cost of mortgage points. Learn about discount points.

12. Down payment and monthly calculator

Calculate the down payment cost for a loan and estimate the monthly payment for the traditional principal and interest payment and biweekly and interest-only payment for 5, 10, 15, 20, 25, 30, 35, and 40-year terms.

13. Piggyback loan payment calculator

The piggyback calculator will estimate the first and second loan payments. You can choose purchase and interest, biweekly, and interest-only options. The piggyback loan is also known as a tandem, combo, and blended-rate mortgage.

14. Millage rate calculator

What is a millage rate? How do I calculate my tax millage rate? Use the millage rate calculator to estimate your tax rate.

15. Monthly debt and refinance calculator

Thinking about refinancing your mortgage or consolidating your debt?

The refinance calculator will add up your monthly payments and account balances.

16. Mortgage prequalification calculator

The prequalification calculator is a robust monthly income and debt calculator. The calculator will convert year-to-date, weekly, bi-monthly, and hourly income into monthly earnings. The monthly debt component can quickly determine which monthly debt should be paid off and meet the debt to income ratio.

17. Per diem interest calculator

Did you know that when you finalize the loan with your lender, you pay interest on the loan from the first day of the month to the day of closing? That's right, the bank never loses, there's no free interest. The per diem interest will calculate the daily interest payment

18. Property tax and proration calculator

Just how much will you get back at settlement for prepaid taxes... or, how much will you have to pay the buyer for past due or unpaid real estate taxes? At closing, the real estate taxes will be "prorated". In other words, if the property taxes have been paid, this tool will estimate the taxes paid to you by the buyer at closing. This tool will also estimate the real estate taxes owed to the buyer that have not been paid.

19. Seller-paid closing cost (seller assist) calculator

Mortgage programs (i.e., FHA, VA, USDA, and conventional mortgages) all allow the home seller to pay a percentage of the buyer's closing costs. The closing cost calculator will estimate the seller-paid closing costs.

20. Tiered commission calculator

Here's a calculator for real estate agents who are charging the seller a staggered commission percentage.

21. Seller closing cost estimate North Carolina

Here's a calculator to help you estimate your closing costs in North Carolina.

20. Connecticut seller closing costs and net proceeds calculator

Here's a calculator to help you estimate your closing costs and net proceeds in Connecticut.