Free Real Estate & Mortgage Tools

What Each Tool Does

Every tool below opens instantly, needs no account, and processes your data locally in your browser. Here is what each one is for:

PITI Payment

The payment your lender will actually quote: principal & interest plus property tax, homeowners insurance, PMI and HOA — the full PITI breakdown. Open the PITI Payment →

Affordability

Works backward from income, debts and down payment — through the 28/36 DTI rules lenders actually use — to the home price that genuinely fits. Open the Affordability →

Refinance

Old loan vs new rate with closing costs included: monthly savings, the break-even month, and the lifetime-interest verdict that decides whether a refi is real savings. Open the Refinance →

Rent vs Buy

The full rent-or-buy ledger over your actual horizon: PITI, maintenance and selling costs against rent growth and the invested down payment — with the break-even year. Open the Rent vs Buy →

Closing Costs

Itemizes the 2–5% of fees between contract and keys — lender, title, government and prepaids — and totals your true cash to close with the down payment. Open the Closing Costs →

Property Tax

Annual and monthly property tax from your home's value and any state's effective rate — with the homestead-exemption and assessment rules that change the bill. Open the Property Tax →

Down Payment

Your buy-a-home date, computed honestly: monthly savings with interest against a down-payment target that grows as home prices do. Open the Down Payment →

HOA Fees

Dues today, dues compounding for a decade, and the mortgage math most buyers miss: how many dollars of home price each $100 of HOA displaces. Open the HOA Fees →

Home Equity

Your tappable equity at 80–90% CLTV, the HELOC or equity-loan size it supports, and the payment on whatever you draw. Open the Home Equity →

PMI Removal

The month you hit 80% LTV to request cancellation, the 78% automatic date, and the appreciation shortcut — plus what canceling saves over the loan. Open the PMI Removal →

Escrow

Monthly escrow from your tax and insurance bills, the legal two-month cushion, and the shortage math behind the annual payment-change letter. Open the Escrow →

Selling Costs

Sale price in, walk-away check out: commissions, seller closing costs, repairs, concessions and the mortgage payoff — itemized like your settlement statement. Open the Selling Costs →

Reverse Mortgage

HECM payout estimates by age and rate — lump sum, credit line or tenure payments — with the fees and heir implications explained straight. Open the Reverse Mortgage →

ARM Calculator

5/1, 7/6 or any ARM structure projected through every reset with its caps applied — the payment today, the worst case, and the fixed-rate comparison. Open the ARM Calculator →

Interest-Only

The seductive IO payment and the amortization cliff after it — side by side with a standard loan's cost over the same life. Open the Interest-Only →

Bridge Loan

Interest, fees and double-carry priced month by month — what the buy-before-you-sell convenience really costs, versus a HELOC or a contingent offer. Open the Bridge Loan →

FHA Loan

The true FHA payment — 3.5% down, 1.75% upfront MIP rolled in, annual MIP for the life of the loan — plus qualification rules without the jargon. Open the FHA Loan →

VA Loan

Zero-down VA payment with the funding fee applied by usage tier — and the dollar comparison against FHA and conventional that shows what the benefit is worth. Open the VA Loan →

USDA Loan

Zero-down USDA payment with both guarantee fees applied, next to FHA — plus the property-location and household-income tests that decide eligibility. Open the USDA Loan →

Jumbo Loan

Payments above the conforming line, the reserves and DTI jumbo lenders demand, and the piggyback strategy that sometimes avoids jumbo pricing entirely. Open the Jumbo Loan →

Renovation ROI

Cost-vs-value math for 14 common projects — what a kitchen, bath or roof project adds at resale, what it recoups, and when renovating beats moving. Open the Renovation ROI →

Land Loan

Land financing priced honestly by type — raw, unimproved or improved — with the 20–50% down payments, higher rates and shorter terms lenders actually require. Open the Land Loan →

Commercial

Balloon-structure payments plus the two tests that decide commercial deals — debt-service coverage (DSCR) and loan-to-value — computed from your property's income. Open the Commercial →

Commission

The full commission waterfall — listing side, buyer side, brokerage splits — plus a negotiation table pricing each half-point on your sale. Open the Commission →

Airbnb Income

Nightly rate × real occupancy − platform fees, cleaning, and the operating stack — ending at true monthly profit and revenue-per-available-night. Open the Airbnb Income →

Flip Profit

The complete flip P&L — acquisition, rehab with overrun buffer, monthly carry, selling costs — plus the 70%-rule maximum offer for any ARV. Open the Flip Profit →

Cap Rate

NOI from honest income and expenses, cap rate against the price, and leveraged cash-on-cash — the complete first-pass rental underwrite. Open the Cap Rate →

GRM

Price ÷ gross annual rent in one glance — plus the reverse mode that turns a market GRM and rent roll into a fair-value estimate. Open the GRM →

Title Insurance

Owner's and lender's policy premiums by price and state level, the simultaneous-issue discount, and what a title claim actually looks like. Open the Title Insurance →

School District

A weighted quality score from the six factors that predict district strength, plus the documented premium school quality adds to home values. Open the School District →

How to Choose the Right Tool

Buying? Start with Home Affordability to size the budget, the PITI Mortgage Payment calculator for the real monthly cost, and Closing Costs so the cash-to-close isn't a surprise; use the FHA, VA, USDA or Jumbo calculators if your loan fits a program. Already own? Refinance Savings, PMI Removal and Home Equity tools show what your equity can do. Investors should live in Cap Rate, Gross Rent Multiplier, Airbnb Income and Property Flip. Selling, the Commission and Home Selling Cost calculators estimate what you'll actually walk away with.

Frequently Asked Questions

Do the mortgage tools include taxes and insurance?

Yes — the PITI Mortgage Payment calculator explicitly adds property tax, homeowners insurance, PMI and HOA fees on top of principal and interest, which is what your lender's escrow payment actually looks like.

Where do the tax and fee rates come from?

Defaults reflect current national averages (noted on each tool), but every rate is editable — enter your county's property tax rate or your quoted insurance premium for a precise local answer.

Can these replace a lender's pre-approval?

No. They tell you what to expect and what to negotiate, but only a lender can commit to a rate. Walking in already knowing your DTI and PITI numbers puts you in a stronger position.

Is my financial information private?

Completely. Every tool runs locally in your browser — income, home price and loan details are never uploaded or stored.

Explore More WiserWork Categories

WiserWork offers 423 free browser-based tools across 26 categories — all private, all free, no sign-up required.