Free Homebuying Tools & Calculators
Thinking about buying your first home? These free tools walk you through everything step by step — no financial background needed.
Start Here
3 toolsNot sure where to begin? These 3 tools answer the questions every first-time buyer asks: Am I ready? How much can I spend? How much do I need saved?
Understand the Real Costs
9 toolsBuying a home costs more than the mortgage payment. These tools show you what lenders, agents, and websites usually leave out.
What Will I Actually Pay Each Month?
1 minThe number nobody tells you — what homeownership actually costs per month
What Will Insurance Cost in My State?
1 minYour state's real insurance cost — and what it does to your rent vs buy verdict
Should I Buy Now or Wait?
2 minBoth futures month by month: buy today, or wait for a lower rate.
Would a Bank Approve Me?
1 minCheck if you'd pass the bank's test — without actually going to a bank
Should I Wait to Save 20%?
2 minBuy now and pay PMI, or wait for 20% — which one leaves you richer.
Rate Buydown Calculator
2 minThe math builders hope you won't run
Should I Refinance?
1 minYour break-even month, before a loan officer gives you one
Assumable Mortgage Checker
2 minFind out if you can inherit a seller's 3% rate — with honest math on the catch
When Can I Actually Buy?
2 min"You'll be ready by [month] [year]" — a date you can plan around
Get Ready to Apply
5 toolsWhen you're close to buying, these tools help you choose the right loan, prepare your documents, and walk into the lender's office with confidence.
Which Loan Should I Get?
1 minYou might qualify for a zero-down-payment loan and not even know it
Am I Ready to Apply?
2 minWalk in prepared — not surprised by what they ask
Closing Costs Calculator
1 minKnow your real cash-to-close — and which fees to push back on
Down Payment Assistance Checker
2 minFind out if your state will help pay your down payment
10 Things Every Buyer Should Know
5 min10 lessons that usually cost people money to learn the hard way
The Big Question
Should you rent or buy?
Once you know your numbers from these tools, run a full rent vs. buy analysis. DwellQ simulates both paths month by month and shows you which one builds more wealth over time.
Try the Free Calculator →Want even deeper analysis? DwellQ+ ($29 one-time) adds tax savings modeling, adjustable-rate mortgage scenarios, and refinancing analysis.
City-by-city market reports and strategy papers behind the numbers these tools use.
All tools are free to start. No signup required. Every calculation uses real data from the same sources lenders use.