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Real Estate Calculators

10 federally-grounded calculators for mortgage, affordability, closing costs, taxes, refinance, and rental ROI. Pulls real HUD county FHA limits, FHA MIP rates, and CFPB Loan Estimate format — not generic estimates.

Loan Calculators

Mortgage Calculator

Monthly payment calculator with county-specific FHA limits, real PMI rates, and FHA-vs-Conventional comparison.

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How Much House Can I Afford?

Multi-loan-type affordability with simultaneous FHA, VA, Conv 5/10/20% scenarios.

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FHA Loan Calculator

County-specific FHA loan limits, MIP, 3.5% down — all 50 states.

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PMI Calculator

PMI rates by credit score and loan-to-value — when it drops off.

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Down Payment Calculator

Min down per loan type + months-to-save calculator.

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Refinance Calculator

Will refinancing pay off? Break-even month + lifetime savings.

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Cost Calculators

Closing Costs Calculator

Title insurance, transfer tax, lender fees, prepaids — by state.

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Property Tax Calculator

County-specific effective tax rates — see what you'll actually pay.

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Investment Calculators

Investment Property ROI Calculator

Cap rate, cash-on-cash, IRR — for any rental property.

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Comparison Calculators

Rent vs. Buy Calculator

See the year buying beats renting in your market.

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All calculators source data from HUD, CFPB, IRS, FHFA, BLS, Census, and FEMA. ValiFit reports — does not penalize or promote. Methodology →