If you plan to stay a long time, the useful question is not just the payment today. This calculator adds up the loan, property tax, insurance and upkeep year by year, and subtracts the equity you build.
Every setting here is yours to change, and none of it is a prediction. Net cost means the cash you put in minus the equity you hold at the end; it leaves out selling costs and income-tax effects.
Related reading
- Rent vs. Buy Calculator — Compare the long-run cost of owning with renting the same kind of home, with your own assumptions.
- Refinance Break-Even Calculator — See how much a refinance could save each month, how long it takes to earn back the costs, and what it does to…
- Mortgage Payment Calculator — See your real monthly payment: principal, interest, taxes, insurance and HOA in one number.
- Staying for Good: A Long-Term Homeowner Checklist — A simple yearly routine for the home you plan to keep, with the official pages worth bookmarking.