Real Estate Calculators | Randy James | Coldwell Banker Legacy Elite

Buyer Calculators

Start with the calculator that matches your question. You can change the assumptions if you already know taxes, insurance, HOA, lender costs, or loan details.

Choose a buyer calculator.
Select the question you want answered first.

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Mortgage Calculator

Estimate a monthly payment with principal, interest, taxes, insurance, PMI, and HOA.

What you need:

Home price
Down payment
Interest rate
Loan term

Basic Numbers

Home Price ($)

Down Payment ($) *

Down Payment (%) *

Interest Rate (%)

Loan Term (Years)

Advanced assumptions

Property Tax Rate (%) *

Homeowners Insurance / Year ($)

Mortgage Insurance Setting *

PMI / MIP Annual Rate (%) *

Optional MPI / Month ($) *

HOA / Month ($)

Rent vs Buy Calculator

Compare your rent against an estimated ownership payment and a longer-term equity picture.

What you need:

Your monthly rent
Target home price
Down payment amount or percent
Rate and compare years

Basic Numbers

Current Monthly Rent ($)

Target Home Price ($)

Down Payment ($) *

Down Payment (%) *

Interest Rate (%)

Years to Compare *

Advanced assumptions

Loan Term (Years)

Property Tax Rate (%) *

Insurance / Year ($)

Mortgage Insurance Setting *

PMI / MIP Annual Rate (%) *

Optional MPI / Month ($) *

HOA / Month ($)

Maintenance Rate (%) *

Rent Increase / Year (%) *

Home Appreciation / Year (%) *

Buyer Closing Costs (%) *

Future Selling Costs (%) *

Home Affordability Calculator

Estimate a home price range using editable debt-to-income limits.

What you need:

Gross monthly income
Monthly debts
Down payment available
Rate and DTI assumptions

Basic Numbers

Gross Monthly Income ($) *

Monthly Debts ($) *

Available Down Payment ($) *

Available Down Payment (%) *

Interest Rate (%)

Advanced assumptions

Loan Term (Years)

Front-End DTI (%) *

Back-End DTI (%) *

Property Tax Rate (%) *

Insurance / Year ($)

Mortgage Insurance Setting *

PMI / MIP Annual Rate (%) *

Optional MPI / Month ($) *

HOA / Month ($)

Closing Cost Estimator

Estimate the cash needed at closing, including down payment and buyer costs.

What you need:

Purchase price
Down payment amount or percent
Known lender/title costs
Seller credit if any

Buyer Cost Inputs

Purchase Price ($)

Down Payment ($) *

Down Payment (%) *

Loan Origination (%) *

Title / Escrow / Recording ($) *

Prepaids / Escrows ($) *

Appraisal ($)

Inspection ($)

Other Buyer Costs ($)

Seller Credit ($) *

Seller Calculators

Estimate seller proceeds and move-up buying power. For actual pricing, request an MLS-backed market analysis.

Seller Net Proceeds Calculator

Estimate what you may walk away with after payoff and selling costs.

What you need:

Estimated sale price
Mortgage payoff
Commission/broker fee assumption
Repairs, concessions, and prorations

Seller Inputs

Estimated Sale Price ($)

Mortgage Payoff ($)

Commission / Broker Fees (%)

Seller Concessions ($) *

Repairs / Credits ($) *

Title / Closing Costs (%) *

Taxes / HOA Prorations ($) *

Other Costs ($)

Move-Up Buyer Calculator

Estimate equity from your current home and how it could apply to the next purchase.

What you need:

Current home value
Mortgage payoff
Next home price
Rate and selling cost assumptions

Current Home + Next Home

Current Home Value ($)

Current Mortgage Payoff ($)

Selling Costs (%) *

Repairs / Concessions ($)

Next Home Price ($)

Down Payment on Next Home ($) *

Down Payment on Next Home (%) *

Interest Rate (%)

Loan Term (Years)

Advanced assumptions for next payment

Property Tax Rate (%) *

Insurance / Year ($)

Mortgage Insurance Setting *

PMI / MIP Annual Rate (%) *

Optional MPI / Month ($) *

HOA / Month ($)

Home Value / Equity Estimate

Estimate possible equity before requesting a true CMA or pricing review.

What you need:

Your estimated home value
Mortgage payoff
Selling cost assumption
Repairs/prep costs

Equity Inputs

Your Estimated Home Value ($) *

Market Adjustment (%) *

Mortgage Payoff ($)

Estimated Selling Costs (%) *

Repairs / Prep Costs ($)

Other Liens / Costs ($) *

Investment Calculators

Estimate whether a deal deserves a deeper review. These tools are helpful for screening, but real repair bids, rent comps, and financing terms matter.

Choose an investment calculator.
Start with the type of deal you want to analyze.

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House Flip Calculator

Estimate profit, ROI, max offer, and 70% rule offer.

What you need:

Purchase price
After repair value
Rehab estimate
Holding and selling costs

Flip Inputs

Purchase Price ($)

After Repair Value / ARV ($) *

Rehab Estimate ($)

Rehab Contingency (%) *

Timeline (Months)

Holding Cost / Month ($) *

Buying Costs ($)

Selling Costs (%) *

Financing Costs ($) *

Target Profit (% of ARV) *

Rental Investment Calculator

Estimate monthly cash flow, cap rate, and cash-on-cash return.

What you need:

Purchase price
Monthly rent
Down payment
Operating expenses

Rental Inputs

Purchase Price ($)

Monthly Rent ($)

Down Payment ($) *

Down Payment (%) *

Interest Rate (%)

Loan Term (Years)

Closing Costs ($)

Property Taxes / Year ($)

Insurance / Year ($)

HOA / Month ($)

Vacancy (%) *

Management (%) *

Repairs / Month ($)

CapEx Reserve / Month ($) *

BRRRR Calculator

Estimate cash left in the deal, equity after refinance, and monthly cash flow.

What you need:

Purchase price and rehab
After repair value
Refinance LTV
Rent and operating expenses

BRRRR Inputs

Purchase Price ($)

Rehab Cost ($)

Closing Costs ($)

After Repair Value / ARV ($) *

Refi LTV (%) *

Refi Costs ($)

Refi Rate (%)

Loan Term (Years)

Monthly Rent ($)

Property Taxes / Year ($)

Insurance / Year ($)

HOA / Month ($)

Vacancy (%) *

Management (%) *

Maintenance / Month ($)

Choose the calculator that matches your next move.

Select a calculator category

Buyer Calculators

Mortgage Calculator

Rent vs Buy Calculator

Home Affordability Calculator

Closing Cost Estimator

Seller Calculators

Seller Net Proceeds Calculator

Move-Up Buyer Calculator

Home Value / Equity Estimate

Investment Calculators

House Flip Calculator

Rental Investment Calculator

BRRRR Calculator