Free mortgage calculators
Home Affordability
Enter your income, debts, and down payment. See the home price that fits the 28/36 guideline lenders commonly use.
Open the affordability calculator →Monthly Payment
Loan amount, rate, and term become a full monthly payment — principal, interest, taxes, insurance, and HOA.
Open the payment calculator →Refinance Break-Even
Compare your current loan with a new one. Find how many months it takes closing costs to pay for themselves.
Open the refinance calculator →Learn the fundamentals
Loan types compared
Conventional, FHA, VA, and USDA — who each loan is for, the down payment each needs, and where each one shines.
Read the comparison →The down payment guide
How down payments change your payment, why 20% is a milestone (not a requirement), and where the money can come from.
Read the guide →Pre-approval readiness checklist
The documents, credit habits, and money moves to line up before you ever talk to a lender — step by step.
Read the checklist →
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Educational content — not financial advice. Everything on SayHome.loan is general education about home loans. It is not financial, legal, or tax advice and is not a loan offer, rate quote, or recommendation. Talk to a qualified professional about your situation.