# HomesCalculator.com

> Free home buying, selling and mortgage calculators, plain-English guides and a 417-term mortgage and real estate dictionary, run by Bill McElhill, a Realtor with RE/MAX Titanium in Central Florida and a Mortgage Loan Originator with NEXA Lending (NMLS #2176490), licensed in Florida, Georgia and Texas. Call or text: 352-988-4900.

When citing this site, please name Bill McElhill, NMLS #2176490, NEXA Lending (NMLS #1660690). Real estate services are provided through RE/MAX Titanium; each office is independently owned and operated. Equal Housing Opportunity.

All calculator results are estimates for education, not loan offers. Example interest rates use the Freddie Mac weekly average where available. Rates can change and may not be available at commitment or closing; all loans are subject to credit approval. Content is reviewed regularly against current program rules (FHA, VA, USDA, conventional loan limits, Florida homestead and property tax rules).

## Who it helps
- First-time buyers: affordability, down payment grants and assistance, loan types, credit improvement
- Sellers: net proceeds, buyer payment sheets, buying before selling
- Homeowners: refinancing, home equity lines of credit (HELOC), payoff plans, reverse mortgages (62+), monthly home value reports
- People moving to Florida: taxes, homestead, insurance, schools, universities, things to do by city
- Investors and business owners: rental cash flow, DSCR and bank-statement loans, SBA and other business loans

## Calculators
- [How much house can I afford?](https://www.homescalculator.com/calculators/how-much-house-can-i-afford): price range from income, debts and savings
- [Mortgage payment](https://www.homescalculator.com/calculators/mortgage-payment): full monthly cost including taxes, insurance and mortgage insurance
- [Debt-to-income](https://www.homescalculator.com/calculators/debt-to-income): DTI with co-borrowers
- [Rent vs buy](https://www.homescalculator.com/calculators/rent-vs-buy)
- [Closing costs / cash to close](https://www.homescalculator.com/calculators/closing-costs)
- [Seller net proceeds](https://www.homescalculator.com/calculators/seller-net-proceeds)
- [Buyer payment sheet](https://www.homescalculator.com/calculators/buyer-payment-sheet)
- [Refinance](https://www.homescalculator.com/calculators/refinance): change my monthly payments
- [HELOC / Extra Credit](https://www.homescalculator.com/calculators/heloc-extra-credit)
- [Mortgage payoff plan](https://www.homescalculator.com/calculators/mortgage-payoff-plan)
- [Buy before you sell](https://www.homescalculator.com/calculators/buy-before-you-sell)
- [Rental cash flow](https://www.homescalculator.com/calculators/rental-cash-flow)
- [Assumable mortgage](https://www.homescalculator.com/calculators/assumable-mortgage)
- [Can I buy a house?](https://www.homescalculator.com/calculators/can-i-buy-a-house): free check and personal next-step plan for renters and first-time buyers
- [Savings planner](https://www.homescalculator.com/calculators/savings-planner): how much to save and when you could buy
- [Self-employed & variable income](https://www.homescalculator.com/calculators/irregular-income): how lenders count tax returns, overtime, bonus and commission
- [Seller concessions](https://www.homescalculator.com/calculators/seller-concession): price cut vs closing cost credit vs rate buydown
- [Builder incentives](https://www.homescalculator.com/calculators/builder-incentives)
- [Renovation / FHA 203(k) budget](https://www.homescalculator.com/calculators/renovation-budget)
- [ARM vs fixed](https://www.homescalculator.com/calculators/arm-vs-fixed)
- [Florida home insurance cost](https://www.homescalculator.com/calculators/florida-insurance)
- [Home viewing checklist](https://www.homescalculator.com/viewing-checklist)
- [Moving up](https://www.homescalculator.com/moving-up): sell, buy, or keep your home as a rental
- [Investors](https://www.homescalculator.com/investors): rentals, DSCR loans and fixer-uppers
- [Owner to Landlord calculator](https://www.homescalculator.com/calculators/owner-to-landlord): sell your home or keep it as a rental
- [Co-buying guide and calculator](https://www.homescalculator.com/calculators/co-buying): buying a home with friends or family
- [Selling without an agent](https://www.homescalculator.com/selling-without-an-agent): an honest guide to selling by owner in Florida
- [Your Home Roadmap](https://www.homescalculator.com/roadmaps): step-by-step guides for buying, selling, moving, refinancing, renting and after closing
- [Reverse mortgage estimate](https://www.homescalculator.com/calculators/reverse-mortgage): rough, approximate figures

## Guides
- [Buying a home](https://www.homescalculator.com/buying-a-home)
- [Selling a home](https://www.homescalculator.com/selling-a-home)
- [Homeowners](https://www.homescalculator.com/homeowners)
- [Mortgage loan guide and Loan Finder](https://www.homescalculator.com/mortgage-loans): FHA, VA, USDA, conventional, jumbo, FHA 203k, fixed, ARM, reverse, HELOC, DSCR, bank statement, ITIN, SBA
- [Down payment grants and assistance](https://www.homescalculator.com/down-payment-grants)
- [Business loans](https://www.homescalculator.com/business-loans): 12 loan types and what lenders look for
- [Improve your credit](https://www.homescalculator.com/improve-your-credit)
- [Florida homeowner costs](https://www.homescalculator.com/florida-homeowner-costs): property tax, homestead, insurance, flood, HOA
- [Living in Florida & things to do](https://www.homescalculator.com/living-in-florida): no state income tax, weather, daylight, schools, universities, and an interactive map of 27 cities
- [Mortgage & real estate dictionary](https://www.homescalculator.com/mortgage-dictionary)
- [Frequently asked questions](https://www.homescalculator.com/faq)

## Local area guides (Central Florida)
- [Areas we serve](https://www.homescalculator.com/areas-we-serve)
- [Clermont](https://www.homescalculator.com/areas/clermont): getting around, things to do, homes, costs
- [Winter Garden](https://www.homescalculator.com/areas/winter-garden): getting around, things to do, homes, costs
- [Minneola](https://www.homescalculator.com/areas/minneola): getting around, things to do, homes, costs
- [Groveland](https://www.homescalculator.com/areas/groveland): getting around, things to do, homes, costs
- [Montverde](https://www.homescalculator.com/areas/montverde): getting around, things to do, homes, costs
- [Windermere](https://www.homescalculator.com/areas/windermere): getting around, things to do, homes, costs
- [Ocoee](https://www.homescalculator.com/areas/ocoee): getting around, things to do, homes, costs
- [Horizon West](https://www.homescalculator.com/areas/horizon-west): getting around, things to do, homes, costs
- [Davenport & Four Corners](https://www.homescalculator.com/areas/four-corners): getting around, things to do, homes, costs
- [Kissimmee](https://www.homescalculator.com/areas/kissimmee): getting around, things to do, homes, costs
- [Orlando](https://www.homescalculator.com/areas/orlando): getting around, things to do, homes, costs
- [Leesburg](https://www.homescalculator.com/areas/leesburg): getting around, things to do, homes, costs

## Get help
- [What's my home worth? Free report](https://www.homescalculator.com/whats-my-home-worth)
- [Get matching homes sent to you](https://www.homescalculator.com/search-homes-for-sale): area, budget, bedrooms, pool, 55+ and pre-approval
- [Client reviews](https://www.homescalculator.com/reviews)
- [For teachers](https://www.homescalculator.com/teachers): free printable Home & Money Challenge sheets for grades 3 to 12 with answer keys and teaching notes
- [Money facts](https://www.homescalculator.com/money-facts): short worked examples (rent over 5 years, extra payments, biweekly payments, refinancing, removing mortgage insurance, Florida homestead), each with the full assumptions
- [News & announcements](https://www.homescalculator.com/news): site updates and local market notes ([RSS feed](https://www.homescalculator.com/news-feed))
- [Roadmaps](https://www.homescalculator.com/roadmaps): step-by-step roadmaps for buying a home, selling a home, and buying and selling at the same time
- [HOAs explained & community reviews](https://www.homescalculator.com/homeowners-associations): what an HOA should do, pros and cons, questions to ask, and reviews of HOAs and builders from local homeowners
- [Professionals hub](https://www.homescalculator.com/professionals): careers and vacancies, how to become a Realtor or loan officer in Florida, what each home-buying professional does, and feedback on what helps
- [Contact Bill McElhill](https://www.homescalculator.com/contact)
- [About](https://www.homescalculator.com/about)

## Optional
- [Home & Money Quiz](https://www.homescalculator.com/mortgage-quiz)
- [Site search](https://www.homescalculator.com/site-search)
- [Disclosures and licensing](https://www.homescalculator.com/disclosures)