Should you keep renting, or buy?
Compare estimated cash spent renting with estimated buying costs over the years you plan to stay. No appreciation guesses, no pressure. Just a clear starting point before a real conversation.
Estimated monthly cost to own
$0
Principal & interest plus a rough taxes/insurance placeholder (1.5% of price per year)
Total rent paid over the period
$0
Total buy payments over the period
$0
Estimated equity built
$0
Down payment + principal paid (value held flat)
Estimated net cost of buying
$0
Buy payments + down payment, minus equity
Enter your numbers to compare.
Estimate only. Not a pre-approval, rate quote, or commitment to lend. Your actual numbers depend on a full review of credit, income, assets, and the property.
Try another calculator.
All of these run in your browser. Estimates only, not a pre-approval or rate quote.
Payment calculator
Ballpark monthly principal and interest from a home price.
Open →Home affordability
Estimate a home-price range from income, debts, and down payment.
Open →Rate options
Compare rates with and without points, including monthly savings and breakeven.
Open →Property compare
Compare up to three homes and download a payment breakdown PDF.
Open →Program compare
Pick any two programs, including FHA 20 vs FHA 30, and compare cash to close.
Open →Refinance compare
Compare refinance options by program, fixed or ARM, points, and cash to close.
Open →
Want a decision you can trust?
Bring your rent, savings, and timeline to a free Mortgage Strategy Session. We will map what actually fits.
Keith Lopez, NMLS #2814077 | NEXA Mortgage, LLC, NMLS #1660690 | Licensed in NC, SC & GA | Equal Housing Opportunity