Beginner path

Start Here — New Home Buyer

The first-time buyer's calculator path.

Follow these in order to move from browsing Zillow to signing at the closing table.

  1. 1

    How much home can you afford?

    Anchor your search to a realistic DTI.

    Open Home Affordability Calculator
  2. 2

    Price the mortgage

    Understand true monthly PITI.

    Open Mortgage Calculator
  3. 3

    Budget closing costs

    2–5% of loan due at closing.

    Open Closing Costs Calculator
  4. 4

    Model PMI removal

    20% down avoids private mortgage insurance.

    Open PMI Calculator
  5. 5

    Review amortization

    Early payments are mostly interest.

    Open Amortization Schedule Calculator

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