All Tools
Hover over a link to see what it does (simple, quick explanations).
Core Calculators
Rent vs Buy Compare rent increases vs owning costs + equity. Mortgage Payment (MLS Monthly Cost) Estimate the real payment from a listing: PI + taxes + ins + HOA + PMI. Home Affordability Estimate a safe purchase price for your budget. DTI Pre-Check Quick debt-to-income check before applying. Closing Costs Estimate Estimate closing costs + cash needed to close. Cash to Close Down payment + closing costs + credits (simple estimate). Seller Net Proceeds Estimate your net after mortgage payoff and fees. Buy Before You Sell Compare timing, cash flow, and bridge options.
Home Search & Listings
Search Homes (MLS) Browse listings and run the monthly cost tool. Search New Construction Builder incentives, concessions, and rate buydowns. New Construction Homes Explore new builds and common incentives. Homes for Sale Browse homes for sale and compare scenarios. Homes with Assumable Mortgages Possible path to a lower rate (rules apply).
Down Payment & Assistance
Down Payment Grants Programs that may reduce upfront cash needed. Grants Directory of grants and assistance types. Grants Assistance Help understanding programs and next steps. Florida Hometown Heroes Florida program info and eligibility basics. Florida Downpayment Grants Florida-focused options and reminders. Teacher / Nurse Programs Profession-based programs (where available). Special Loan Programs Other support options and niche programs.
Loan Programs
Loan Programs (Overview) Compare FHA, VA, USDA, Conventional, and more. FHA Loans Low down payment options (rules apply). VA Loans Veteran benefits (eligibility applies). USDA Loans $0 down in eligible areas (rules apply). Conventional Loans Common option with strong flexibility. Jumbo Loans Higher loan amounts (guidelines apply). Non-QM Loans Alternative documentation programs (rules apply). DSCR Loans Investor cash-flow based financing. Extra Credit (HELOC/Home Equity) Use equity for improvements or debt payoff. Assumed Mortgages How assumptions work and what to watch for. Reverse Mortgages For eligible homeowners (age/equity rules apply). ITIN Loans Options for ITIN borrowers (program rules apply). Hard Money Loans Short-term private lending (higher risk/cost). Commercial Loans Financing for commercial properties. Business Loans Business lending options and planning. FHA 203k Loans Renovation financing within FHA rules. Builder Renovation New build + upgrade planning (overview).
Guides & Education
Buying Home buying basics and key decisions. Selling Selling basics, timing, and costs. Buying Steps Step-by-step home buying checklist. Selling Steps Step-by-step selling checklist. Buying in Central Florida Local area guidance + reminders. Homestead Taxes Homestead basics and tax savings overview. Insurance & HOA Basics Common costs that affect monthly payment. Credit Improvement Credit tips and dispute letter resources. Dispute Letters Templates and common scenarios. Landlord Guide Basics for landlords and rental planning. Shared Ownership Explained Co-buying and shared equity explained. Money Plan Strategy Budgeting and planning tools. Wealth Builder Plan Long-term plan to reduce costs and build equity.
Offers & Contact
Special Offers Incentives, discounts, and featured tools. Homeowners Tools and guidance for current owners. Free Monthly Home Valuations Monthly home valuation + area reports. Referrals Send a referral (friends/family/neighbors). Referral Center Track referral details (if enabled). News Updates and reminders. Site Search Search HomesCalculator.com pages. About About HomesCalculator.com and our tools. Contact Call/text/email and request help. Ask Bill Ask a question (saved for follow-up). Suggest Improvement Send feedback and ideas.
Legal & Compliance
Privacy Policy How we handle data and privacy. Privacy Privacy overview. Terms Terms and conditions. Disclosures Important disclosures. Disclaimer General disclaimer and limitations. Accessibility Accessibility statement and support. Fair Housing Fair housing information and resources. 404 Page Not found page. Sitemap Site structure and crawl support.
More Calculators
Amortization Amortization schedule and payoff timeline. Rent vs Buy Calculator (Engine) Advanced calculations behind the main tool. Refi Break-Even Estimate when a refinance may make sense. Future Rent Projection Project rent increases using assumptions. Closing Costs (Calculator) Alternate closing cost calculator. Mortgage Type Calculator Help choosing FHA/VA/USDA/Conventional. Debt Consolidation Impact Impact of consolidating debts on DTI/payment. Assumed Mortgage Analyzer Analyze assumptions and savings. Rent to Buy Path Planner Plan steps to move from renting to buying.

Live Mortgage Rates

Updated frequently. Use these for planning only — your final rate depends on credit, down payment, property, and loan details.

Want a personalized quote? Start a mortgage application or call (352) 988-4900.
News & Updates
Helpful updates and reminders (site is under construction).
  • Rates change daily. Use Live Rates for a quick snapshot.
  • Use DTI Pre-Check before starting your application.
  • Estimate closing costs early to avoid surprises.
  • Home Owners: get free monthly valuation reports.
  • Compare rent increases vs equity growth over time.
Live Mortgage Rates
Open the widget on its own page (clean + readable)
View Live Mortgage Rates

Updated frequently. For planning only. Not a loan offer.

Free Monthly Home Value Reports
Thank-you offer — no data selling
Get free monthly reports

Includes valuation + area updates + mortgage-rate monitoring / refi alerts.