US Mortgage & Real Estate Calculators
18 free calculators built for American borrowers, sellers, and investors. HELOC, FHA, VA, DTI, HECM. State-specific closing costs and property tax for all 50 states + DC. Cap rate, BRRRR, 1031 exchange, Section 121 exclusion. Maintained for current rates and rules.
US Home Loans
For borrowers shopping for a mortgage, refinance, or home equity product.
HELOC
Variable APR draw + repayment phases, CLTV cap
Home Equity Loan
Fixed-rate lump sum on accumulated equity
FHA Loan
Upfront + annual MIP with 2025 county limits
VA Loan
Funding fee table — zero-down for veterans
DTI
Front-end + back-end ratios with 28/36 rule
Mortgage Payoff
Time + interest saved with extra payments
Reverse Mortgage (HECM)
HUD Principal Limit Factor for 62+
US Home Buying
For buyers comparing closing costs, taxes, and total cost of homeownership across states.
US Real Estate Investing
For investors evaluating rental, flip, BRRRR, and 1031 exchange opportunities.
Cap Rate
NOI / Property Value — financing-neutral comparison
Cash-on-Cash Return
Year-1 CoC after debt service + opex
Investment Property
Year-1 total return — cash flow + paydown + appreciation + tax
BRRRR
Buy / Rehab / Rent / Refinance / Repeat cycle
Fix & Flip
Net profit + 70% rule check
1031 Exchange
Federal LTCG + §1250 recapture + state cap gains + NIIT
US Home Selling
For sellers planning a sale and modeling net proceeds after tax.
State-specific calculators
Closing costs and property tax pre-loaded for every state. Featured states below — we cover all 50 + DC. Each link drops you into a state page with the right transfer tax, recording fees, and effective property tax rate already filled in.