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Free Tools

Calculators, checklists, and planning worksheets for buyers, sellers, and investors.

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  • Understand your options before you commit.
  • Compare tools, programs, timelines, and costs.
  • Ask Miguelito for local referrals when needed.

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Mortgage payment calculator

Estimate principal, interest, taxes, insurance, HOA, and total monthly payment.

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VA loan calculator

Estimate a VA-backed payment including funding fee scenarios.

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FHA loan calculator

Estimate FHA down payment, upfront MIP, monthly MIP, and payment.

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Conventional loan calculator

Estimate a conventional payment with PMI assumptions.

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Down payment calculator

Compare down payment percentages and cash needed.

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Closing cost estimator

Estimate buyer closing costs and prepaid items.

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Debt-to-income calculator

Estimate front-end and back-end DTI.

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Home affordability calculator

Estimate price range from income, debts, and down payment.

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Rent vs buy calculator

Compare monthly rent with estimated ownership cost.

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Seller net proceeds calculator

Estimate net proceeds after payoff, costs, and credits.

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Buyer cash-to-close calculator

Estimate cash needed at closing after deposits and credits.

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Refinance break-even calculator

Estimate how long savings may take to recover refinance costs.

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HELOC vs cash-out refinance comparison

Compare monthly cost scenarios for equity access.

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Property tax estimator

Estimate annual and monthly property taxes.

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Home insurance estimate worksheet

Plan insurance assumptions and questions.

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Monthly housing budget planner

Build a full housing budget beyond the mortgage.

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Extra mortgage payment payoff calculator

Estimate interest saved with extra payments.

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Investment property cash flow calculator

Estimate monthly income, expenses, and cash flow.

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Cap rate calculator

Estimate capitalization rate from net operating income.

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BRRRR calculator

Estimate buy, rehab, rent, refinance, repeat metrics.

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Airbnb profit estimator

Estimate short-term rental revenue, expenses, and profit.

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House hacking calculator

Estimate your net housing cost after rental income.

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2-4 unit property calculator

Compare unit rents, expenses, and owner-occupant economics.

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VA assumption calculator

Estimate cash gap and payment on an assumable VA loan.

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Credit readiness checklist

Check practical buyer credit readiness steps.

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PCS / military relocation checklist

Plan a military move, sale, purchase, or rental transition.

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Repair budget estimator

Estimate common repair and improvement categories.

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Offer strength score

Score the strength of an offer based on terms and protections.

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Home showing checklist

Track what to inspect, ask, and compare during showings.

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Moving cost estimator

Estimate move distance, labor, truck, storage, and travel costs.

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Emergency reserve calculator for homeowners

Estimate recommended reserves after purchase.

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